Credit Analyst II: Underwriting & Risk Analysis

Bank of America; Charlotte (NC); On-site; USD 90,000 - 182,000; Full time

Benefits offered by this job

Discretionary incentive eligible

Annual discretionary plan

Benefits eligible

Paid time off

Job summary

Bank of America is seeking a credit underwriting professional to support moderately complex client relationships. You will perform credit analyses, evaluate risks, and prepare financial analyses using advanced tools.

Responsibilities include monitoring, covenant compliance, collateral assessment, and loan documentation support. The role requires 2+ years in corporate credit or related finance areas, strong Excel/PowerPoint skills, and the ability to manage multiple transactions with diligence

Qualifications

• 2+ years of experience in banking or finance industry in corporate credit, tax equity, project finance and/or renewable energy.
• Ability to review, understand and interpret legal documentation of complex transactions and their impact on credit exposure.
• Ability to lead diligence efforts, make approval recommendations, and execute timely funding with manager oversight and feedback.
• Computer skills: proficient in Excel, Word and PowerPoint.

Responsibilities

• Analyzes client financial information, identification/mitigation of potential risks, compliance with regulatory requirements and evaluation of collateral in determination of credit worthiness.
• Completes monitoring activities via analysis of clients’ financial performance and collateral evaluation to ensure appropriate requirements are met.
• Listens in to client meetings to develop a deeper understanding of the client's business, management team, and past and future performance.
• Reviews completed client requests to ensure compliance with policy and procedures.
• Understands how credit data is used internally and provided to regulatory partners.
• Assists with periodic portfolio reviews.
• Participates in loan structure conversations and completion of loan documentation.

Skills

Analytical Thinking

Financial Analysis

Credit and Risk Assessment

Underwriting

Attention to Detail

Written Communications

Collaboration

Excel

PowerPoint

Teamwork

Education

Bachelor's Degree in Finance, Accounting or related major

Job description

Bank of America is seeking a credit underwriting professional to support moderately complex client relationships. You will perform credit analyses, evaluate risks, and prepare financial analyses using advanced tools.

Responsibilities include monitoring, covenant compliance, collateral assessment, and loan documentation support. The role requires 2+ years in corporate credit or related finance areas, strong Excel/PowerPoint skills, and the ability to manage multiple transactions with diligence