Credit Portfolio Analyst - Commercial Banking

Bank of America; Atlanta (GA); On-site; USD 70,000 - 96,000; Full time

Benefits offered by this job

Benefits

Job summary

Bank of America is seeking a Business Banking Credit Portfolio Officer to support underwriting and monitoring for new and existing clients. You will analyze financials, assess risks, and prepare credit analysis aligned with risk appetite.

Role reports to Commercial Credit Manager and requires strong communication, collaboration, and attention to detail across industries. This position offers 1st shift hours and comprehensive benefits.

Qualifications

• 2+ years of solid Commercial Banking experience
• Experience in financial analysis, structuring, underwriting and portfolio management
• Analytical/technical skills, including financial accounting, modeling and loan structuring
• Strong communication skills; ability to communicate vertically, horizontally, and externally
• Industry knowledge across multiple sectors

Responsibilities

• Analysis of client financial information, identification/mitigation of potential risks, compliance with regulatory requirements and evaluation of collateral in determination of credit worthiness
• Complete monitoring activities via analysis of clients' financial performance and collateral evaluation to ensure appropriate requirements are met
• Listen in to client meetings to develop a deeper understanding of the client's business, management team, and past and future performance
• Review completed client requests to ensure compliance with policy and procedures
• Understand how credit data is used internally and provided to regulatory partners
• Assist with periodic portfolio reviews
• Supports the credit monitoring process for existing clients.
• Prepares credit analysis to facilitate the decisioning of a client's credit worthiness.

Skills

Credit underwriting

Financial analysis

Portfolio management

Communication skills

Industry knowledge

Loan structuring

Attention to detail

Analytical thinking

Relationship building

Regulatory compliance

Education

High School Diploma / GED / Secondary School or equivalent

Job description

Bank of America is seeking a Business Banking Credit Portfolio Officer to support underwriting and monitoring for new and existing clients. You will analyze financials, assess risks, and prepare credit analysis aligned with risk appetite.

Role reports to Commercial Credit Manager and requires strong communication, collaboration, and attention to detail across industries. This position offers 1st shift hours and comprehensive benefits.