Credit Underwriter II-Covered/Commercial Real Estate Banking

Bank of America; Seattle (WA); Sur place; USD 120 000 - 180 000; Plein temps

Résumé du poste

Bank of America is seeking a seasoned Commercial Real Estate Credit Analyst in Seattle to lead credit analyses and support loan decisions. You will collaborate with Credit Officers, Relationship Management, and Risk teams to structure deals and monitor financial health across portfolios.

The role requires deep CRE underwriting experience, strong analytical skills, and the ability to manage documentation, due diligence, and regulatory compliance throughout the loan process.

Qualifications

• 5+ years commercial real estate credit related experience.
• Financial analysis, underwriting and portfolio management experience.
• Financial accounting, financial modeling and loan structuring experience.

Responsabilités

• Leads the credit analysis process with the support of other analysts and associates.
• Partners with Credit Officers, Relationship Management, and Risk teammates to understand structuring needs and requirements.
• Monitors operating performance and financial condition, proactively identifying issues and opportunities.
• Assists in delivery of financial modeling, loan structure, industry, economic, and other analyses to team members to support the loan decision-making process.
• Reviews work of junior teammates to provide feedback/coaching and ensure compliance with laws, rules, regulations and policy procedure.
• Has credit approval for certain credit actions.
• Participates in loan structure conversations and completion of loan documentation with internal/external legal partners.
• Gathers, manages and reviews additional due diligence and third-party reports once deal is mandated.
• Prepares credit packages and circulates for approval.
• Responsible for Flood Process and regulatory data capture associated with deal closings.
• Completes renewals, material modifications and extensions (non-preapproved).
• Completes Treasury-related requests, including card and ACH facilities for credit clients only.
• Partners closely with the Credit Officer and Loan Administration team in loan closings.

Connaissances

Attention to Detail

Credit and Risk Assessment

Financial Analysis

Underwriting

Written Communications

Analytical Thinking

Credit Documentation Requirements

Financial Forecasting and Modeling

Recording/Organizing Information

Business Acumen

Collaboration

Collateral Management

Loan Structuring

Prioritization

Formation

Bachelor's degree in finance, accounting, economics or similar

Certificate from accredited real estate educational program

Description du poste

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive and flexible benefits. We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve. Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!

Responsibilities

• Leads the credit analysis process with the support of other analysts and associates
• Partners with Credit Officers, Relationship Management, and Risk teammates to understand structuring needs and requirements
• Monitors operating performance and financial condition, proactively identifying issues and opportunities
• Assists in delivery of financial modeling, loan structure, industry, economic, and other analyses to team members to support the loan decision-making process
• Reviews work of junior teammates to provide feedback/coaching and ensure compliance with laws, rules, regulations and policy procedure
• Has credit approval for certain credit actions
• Participates in loan structure conversations and completion of loan documentation with internal/external legal partners
• Gathers, manages and reviews additional due diligence and third-party reports once deal is mandated
• Prepares credit packages and circulates for approval
• Responsible for Flood Process and regulatory data capture associated with deal closings
• Completes renewals, material modifications and extensions (non-preapproved)
• Completes Treasury-related requests, including card and ACH facilities for credit clients only
• Partners closely with the Credit Officer and Loan Administration team in loan closings

Required Qualifications

• 5+ years commercial real estate credit related experience
• Financial analysis, underwriting and portfolio management experience
• Financial accounting, financial modeling and loan structuring experience

Desired Qualifications

• Bachelor’s degree in finance, accounting, economics or similar
• Certificate from accredited real estate educational program
• Large money center bank experience
• CRE underwriting experience
• Commercial Credit Training

Skills

• Attention to Detail
• Credit and Risk Assessment
• Financial Analysis
• Underwriting
• Written Communications
• Analytical Thinking
• Credit Documentation Requirements
• Financial Forecasting and Modeling
• Recording/Organizing Information
• Business Acumen
• Collaboration
• Collateral Management
• Loan Structuring
• Prioritization

Shift

1st shift (United States of America)

Hours Per Week

40