Senior Commercial Credit Analyst – Risk & Underwriting

Bank of America Corporation; Spokane (WA); On-site; USD 65,000 - 90,000; Full time

Job summary

Bank of America is seeking a Commercial Credit Analyst I to support underwriting and monitoring for new and existing clients. You will analyze financial statements, perform financial spreading, assess risk, and prepare credit analyses that align with the bank's risk appetite.

You will partner with credit teams across Centralized and Regional Credit Lines of Business, review policy requirements, and participate in ongoing education to deepen underwriting capabilities.

Qualifications

• BA/BS in Finance, Accounting, or Business Administration or 1–3 years relevant work experience.
• Experience in credit underwriting and financial analysis is preferred.
• Strong analytical and written communication skills.

Responsibilities

• Analyzes financial statements and summarizes client performance via periodic risk profile reviews.
• Partners with credit and client teams across Centralized and Regional Credit Lines of Business.
• Manages risk through accurate financial spreading, risk rating, and covenant test calculations.
• Expands expertise by reviewing policy and procedure thoroughly and actively participating in continuing education sessions.
• Collaborates with peers to manage optimal workflow.
• Identifies and escalates process breakdowns.

Skills

Credit and Risk Assessment

Financial Analysis

Understanding of Financial Accounting

Credit Documentation Requirements

Critical Thinking

Prioritization

Attention to Detail

Business Acumen

Decision Making

Written Communications

Client Management

Recording/Organizing Information

Analytical Thinking

Education

BA/BS in Finance, Accounting, or Business Administration

Job description

Bank of America is seeking a Commercial Credit Analyst I to support underwriting and monitoring for new and existing clients. You will analyze financial statements, perform financial spreading, assess risk, and prepare credit analyses that align with the bank's risk appetite.

You will partner with credit teams across Centralized and Regional Credit Lines of Business, review policy requirements, and participate in ongoing education to deepen underwriting capabilities.