Credit Analyst II - Underwriting & Risk Analysis

Nacba; San Francisco (CA); Hybrid; USD 90,000 - 115,000; Full time

Job summary

Bank of America in San Francisco seeks a credit professional to analyze client creditworthiness, evaluate risks, and write approval memos for renewals and new lending opportunities. You will review financials, projections, covenants, and collateral to ensure risk appetite alignment and support underwriting timely decisions.

The role involves analyzing data, monitoring transactions, and guiding analysts to deliver compliant, high-quality credit approvals for traded products and syndicated

Qualifications

• 3 years commercial and/or corporate banking credit with financial analysis experience.
• Experience in underwriting, credit risk analysis, negotiation, and closing of transactions per policies.
• Commercial credit analysis, financial modeling, traded products and underwriting experience.
• Proficient Excel, Word and PowerPoint skills.

Responsibilities

• Analyzes client's financial performance by comparing it to past performance, projections, and industry standards.
• Reviews financial statements, assesses covenant compliance, and renews risk ratings, recommending changes.
• Assists in underwriting and closing of new or existing transactions, adhering to policies.
• Evaluates risk-adjusted profitability to allocate capital.
• Builds projection models based on historical performance, industry forecasts, and due diligence.
• Trains, coaches, and mentors credit analysts, and collaborates with team members.
• Credit coverage of Banks, Broker Dealers, and Exchange Companies clients.
• Manage end-to-end credit approval process and workflow for timely deliverables.

Skills

Analytical Thinking

Financial Analysis

Financial Forecasting and Modeling

Profitability Analysis

Research Analysis

Attention to Detail

Business Acumen

Credit and Risk Assessment

Underwriting

Written Communications

Collaboration

Critical Thinking

Portfolio Analysis

Prioritization

Technical Documentation

Education

Bachelor's degree in finance, accounting or another related field

Formal credit training or related certifications

Tools

Excel

Microsoft Word

PowerPoint

Job description

Bank of America in San Francisco seeks a credit professional to analyze client creditworthiness, evaluate risks, and write approval memos for renewals and new lending opportunities. You will review financials, projections, covenants, and collateral to ensure risk appetite alignment and support underwriting timely decisions.

The role involves analyzing data, monitoring transactions, and guiding analysts to deliver compliant, high-quality credit approvals for traded products and syndicated