Credit Underwriter: Portfolio & Loan Structuring Expert

Bank of America; St. Louis (MO); On-site; USD 91,000 - 150,000; Full time

Job summary

Bank of America is seeking an Enhanced Channel Underwriter to oversee credit underwriting, analyze borrower financials, and monitor client portfolios with a focus on structured credit decisions.

The role collaborates with Relationship Management and Risk teams, delivering thorough analyses, and guiding loan structures from origination through documentation in a high‑impact commercial banking environment.

Qualifications

• 5+ years of solid Commercial Banking underwriting 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 within and outside the organization.
• Industry knowledge across multiple sectors.

Responsibilities

• Manages a portfolio of clients supporting underwriting and/or monitoring requirements with limited to moderate complexity.
• Independently works with Relationship Management and Risk teammates to understand structuring needs and requirements.
• Delivers financial modeling, loan structure, industry, economic, and other analyses to support loan decisions.
• Reviews work of junior teammates to provide feedback and ensure compliance with laws, rules, regulations and policy procedure.
• Has credit approval for certain credit actions.
• Leads loan structure conversations and completion of loan documentation with internal/external legal partners.

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

Education

High School Diploma / GED / Secondary School or equivalent

Job description

Bank of America is seeking an Enhanced Channel Underwriter to oversee credit underwriting, analyze borrower financials, and monitor client portfolios with a focus on structured credit decisions.

The role collaborates with Relationship Management and Risk teams, delivering thorough analyses, and guiding loan structures from origination through documentation in a high‑impact commercial banking environment.