Senior Commercial Credit Analyst - Underwriting & Risk

Bank of America Corporation; Clayton (MO); On-site; USD 74,000 - 84,000; Full time

Benefits offered by this job

Discretionary incentive plan

Benefits eligible

Paid time off

Job summary

Bank of America Corporation seeks a Commercial Credit Analyst I–III to support underwriting and monitoring for commercial clients. The role focuses on analyzing financial statements, performing risk assessments, and generating financial analysis to ensure alignment with the bank’s risk appetite.

The position requires a BA/BS in Finance, Accounting, or Business Administration or 1–3 years of relevant experience. Expect 40-hour weeks, first shift, with benefits and opportunities for growth.

Qualifications

• BA/BS Degree in Finance, Accounting, or Business Administration preferred or 1–3 years of relevant work experience.
• Experience with credit underwriting and monitoring for commercial clients is a plus.
• Strong analytical and communication skills with attention to detail.

Responsibilities

• Analyzes financial statements and summarizes client performance via periodic risk profile reviews.
• Performs credit underwriting and risk analysis for new and existing clients.
• Conducts financial spreading, risk rating, and covenant testing.
• Reviews policy and procedures to ensure compliance with bank risk appetite.
• Escalates credit issues to the credit team as appropriate.
• Collaborates with credit and client teams to manage workflow.

Skills

Credit risk assessment

Financial analysis

Understanding of FAS/BAS

Credit documentation

Decision making

Written communications

Attention to detail

Client management

Analytical thinking

Risk rating

Education

BA/BS in Finance/Accounting/Business

Tools

Financial spreading tools

Job description

Bank of America Corporation seeks a Commercial Credit Analyst I–III to support underwriting and monitoring for commercial clients. The role focuses on analyzing financial statements, performing risk assessments, and generating financial analysis to ensure alignment with the bank’s risk appetite.

The position requires a BA/BS in Finance, Accounting, or Business Administration or 1–3 years of relevant experience. Expect 40-hour weeks, first shift, with benefits and opportunities for growth.