Senior Commercial Credit Underwriter II — Merchant Services

Internationalinsuranceprofessionals; Newark (DE); On-site; USD 90,000 - 130,000; Full time

Job summary

Bank of America is seeking a Credit Underwriter to structure and underwrite complex merchant credit transactions with minimal oversight. You will deliver financial and industry analysis, justify deals, and maintain adherence to credit policies while supporting sales partners and cross-functional teams.

The role involves customer-facing activities, background and financial information gathering, and negotiation of credit terms within risk guidelines.

Qualifications

• 3+ years in commercial underwriting with financial analysis.
• Strong communication and analytical skills in credit decisions.
• Experience using risk rating scorecards and credit policy guidelines.

Responsibilities

• Performs underwriting and structuring of complex credit transactions.
• Delivers financial, industry, and economic analyses to support approvals.
• Negotiates terms and ensures adherence to credit policies and regulatory requirements.
• Coaches Sales partners and Credit team members on credit acumen.
• Represents the bank in client discussions and negotiates terms.

Skills

Commercial underwriting

Financial analysis

Underwriting

Communication

Risk assessment

Education

High School Diploma / GED

Tools

Moody's Credit Lens

Job description

Bank of America is seeking a Credit Underwriter to structure and underwrite complex merchant credit transactions with minimal oversight. You will deliver financial and industry analysis, justify deals, and maintain adherence to credit policies while supporting sales partners and cross-functional teams.

The role involves customer-facing activities, background and financial information gathering, and negotiation of credit terms within risk guidelines.