Credit Underwriter II — Wealth & Investment Mgmt

Bank of America; Charlotte (NC); On-site; USD 90,000 - 120,000; Full time

Job summary

Bank of America in Charlotte, NC seeks a Credit Underwriter II to support underwriting and monitoring for ultra‑high‑net‑worth clients, in partnership with a credit team. This role focuses on independent management of low‑complexity transactions or portfolios, with strong emphasis on accurate financial analysis and timely decisions.

You will collaborate with Credit Officers, Relationship Management, and Risk teams to structure loans, monitor performance, and coach junior staff while upholding

Qualifications

• Strong financial analysis, accounting skills, and deal structuring for borrowers with complex balance sheets and income streams.
• 3-5+ years of commercial and/or private wealth management credit experience.
• Strong negotiation and communication skills.
• Proficiency in Word, Excel and PowerPoint.
• Excellent interpersonal skills and the ability to build business partnerships with risk, services and client teams who may not be co-located

Responsibilities

• Lead credit analysis with analysts and associates.
• Partner 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.
• May have primary coverage responsibility for a portfolio of clients with limited complexity and credit approval for certain credit actions.
• Participate in loan structure conversations and completion of loan documentation with internal/external legal partners.

Skills

Financial analysis

Deal structuring

Negotiation

Excel

PowerPoint

Communication

Risk assessment

Education

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

Formal credit training

Job description

Bank of America in Charlotte, NC seeks a Credit Underwriter II to support underwriting and monitoring for ultra‑high‑net‑worth clients, in partnership with a credit team. This role focuses on independent management of low‑complexity transactions or portfolios, with strong emphasis on accurate financial analysis and timely decisions.

You will collaborate with Credit Officers, Relationship Management, and Risk teams to structure loans, monitor performance, and coach junior staff while upholding