Lead Channel Underwriter, Commercial Lending

Bank of America; New York (NY); On-site; USD 110,000 - 140,000; Full time

Job summary

Bank of America in New York, NY is seeking an Enhanced Channel Underwriter with 5+ years of commercial banking experience to manage credit underwriting and monitoring for a portfolio of clients. This role involves independently analyzing borrower information, structuring loans, and evaluating risks to support informed decisions.

You will collaborate with Relationship Management and Risk teams, deliver financial analyses, ensure policy compliance, and contribute to loan documentation while

Qualifications

• 5+ 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

• 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 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.
• 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

Tools

N/A

Job description

Bank of America in New York, NY is seeking an Enhanced Channel Underwriter with 5+ years of commercial banking experience to manage credit underwriting and monitoring for a portfolio of clients. This role involves independently analyzing borrower information, structuring loans, and evaluating risks to support informed decisions.

You will collaborate with Relationship Management and Risk teams, deliver financial analyses, ensure policy compliance, and contribute to loan documentation while