Senior Commercial Credit Analyst & Underwriting

Bank of America Corporation; Portland (OR); On-site; USD 70,000 - 100,000; Full time

Job summary

Bank of America is seeking a Commercial Credit Analyst I/II/III to support underwriting for new and existing clients. You will analyze financial statements, projections, covenants, and collateral while applying risk controls and policy requirements to align with the bank's risk appetite.

You will perform financial spreading, rating, and covenant testing, collaborate with central and regional teams, and escalate issues as needed.

Qualifications

• BA/BS in Finance, Accounting, or Business Administration preferred.
• 1–3 years of relevant work experience may be considered in lieu of degree.
• Experience in credit underwriting, risk analysis, or financial analysis is expected.

Responsibilities

• Analyzes financial statements and summarizes client performance via risk profile reviews.
• Partners with credit and client teams within 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 and participating in continuing education.
• 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

Critical Thinking

Prioritization

Attention to Detail

Decision Making

Written Communications

Client Management

Recording/Organizing Information

Analytical Thinking

Financial Forecasting

Collateral Management

Underwriting

Financial Ratio Analysis

Education

BA/BS Degree in Finance

BA/BS Degree in Accounting

BA/BS Degree in Business Administration

Job description

Bank of America is seeking a Commercial Credit Analyst I/II/III to support underwriting for new and existing clients. You will analyze financial statements, projections, covenants, and collateral while applying risk controls and policy requirements to align with the bank's risk appetite.

You will perform financial spreading, rating, and covenant testing, collaborate with central and regional teams, and escalate issues as needed.