Energy Credit Analyst I/II — Growth & Impact

Bank of America; Houston (TX); In loco; USD 95.000 - 140.000; Tempo pieno

Descrizione del lavoro

Bank of America is seeking a GCIB Credit Analyst within the Energy group to analyze client creditworthiness, assess risks, and write approval memos for renewals and new lending opportunities. Responsibilities include evaluating financials, covenants, collateral, and industry data; building projection models; and supporting underwriting, negotiations, and close of transactions.

The role requires experience in commercial banking credit underwriting and strong communication skills with the ability

Competenze

• Commercial and/or corporate banking credit underwriting experience in a bank or large financial institution.
• Foundational finance and accounting concepts understanding.
• Proficient written and verbal communication skills.
• Strong time management with multiple priorities.
• Proficiency in Excel and data analysis tools.
• Experience analyzing corporate financial statements (income statements, balance sheets, cash flow).
• Experience producing analytical written summaries.

Mansioni

• Analyzes client's financial performance by comparing it to past performance, projections, and industry standards.
• Reviews financial statements, assesses covenants compliance, renews risk ratings, and recommends changes.
• Assists in underwriting, credit risk analysis, negotiation, and closing of new or existing transactions.
• Evaluates transaction and relationship risk‑adjusted profitability for capital allocation.
• Builds projection models based on historical performance and industry forecasts.
• Develops financial statement forecasts and enterprise valuations.
• Discusses financing merits from credit risk and relationship perspectives.
• Reviews legal documentation related to loans and derivatives.
• Writes credit memorandums summarizing analysis and conclusions.

Conoscenze

Analytical Thinking

Financial Analysis

Financial Forecasting

Profitability Analysis

Research Analysis

Attention to Detail

Business Acumen

Credit and Risk Assessment

Underwriting

Written Communications

Collaboration

Critical Thinking

Portfolio Analysis

Prioritization

Technical Documentation

Formazione

Bachelor's Degree in Finance/Economics

Strumenti

Excel

Descrizione del lavoro

Bank of America is seeking a GCIB Credit Analyst within the Energy group to analyze client creditworthiness, assess risks, and write approval memos for renewals and new lending opportunities. Responsibilities include evaluating financials, covenants, collateral, and industry data; building projection models; and supporting underwriting, negotiations, and close of transactions.

The role requires experience in commercial banking credit underwriting and strong communication skills with the ability