Senior Channel Underwriter - Commercial Credit

Bank of America; San Francisco (CA); On-site; USD 91,000 - 150,000; Full time

Job summary

Bank of America is seeking an Enhanced Channel Underwriter to manage credit underwriting for new and existing clients, handling complex analyses and loan structures across lines of credit, term loans, and real estate financing.

The role reports to Commercial Credit Manager and collaborates with Relationship Management and Risk teams to ensure policy compliance and accurate financial evaluation.

Qualifications

• 5+ years of solid Commercial Banking experience underwriting (Business Banking, Middle Market, Leverage Finance, etc.)
• 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

Job description

Bank of America is seeking an Enhanced Channel Underwriter to manage credit underwriting for new and existing clients, handling complex analyses and loan structures across lines of credit, term loans, and real estate financing.

The role reports to Commercial Credit Manager and collaborates with Relationship Management and Risk teams to ensure policy compliance and accurate financial evaluation.