Senior Credit Underwriter - Corporate Banking & Risk

Internationalinsuranceprofessionals; Charlotte (NC); Vor Ort; USD 110.000 - 200.000; Vollzeit

Benefits dieser Stelle

Healthcare benefits

Discretionary incentive plan

Paid time off

Zusammenfassung

Bank of America is seeking a skilled Senior Credit Underwriter (or Credit Underwriter II) to perform risk assessment, analyze borrower and industry data, and prepare transaction justifications for moderately complex to complex financings.

You will partner with Credit Officers, Relationship Management, and Risk teams to deliver integrated credit solutions to large corporate clients, while ensuring policy adherence and timely loan decisions.

Qualifikationen

• Minimum 5+ yrs Leasing, Equipment Finance or Commercial Credit Experience
• Must have proficient credit and risk analysis skills.
• Must have proficient presentation, structuring and financial statement analysis skills.
• Must have proficient Microsoft Office skills.
• Must have proficient business writing skills.

Aufgaben

• Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facility
• Partners with Credit Officers, Relationship Management, and Risk teammates to assess and deliver credit solutions
• Monitors the client's operating performance and financial condition, proactively identifying issues and opportunities
• Delivers financial modeling, loan structure, industry, economic, and other analysis to team members to support the loan decision-making process
• Ensures adherence to credit policies, guidelines, procedures, and applicable regulatory requirements
• Evaluates new end-user credit opportunities including identification and assessment of risks and identifies mitigating factors
• Partners with client-facing teammates to consult on sales opportunities and provide the product expertise and consultation necessary to deliver the best possible solution to the client
• Underwrites new transactions, analyzes credit risk, negotiates and closes deals, while adhering to internal policy, procedures and regulatory requirements
• Structures the terms of a lease/loan with respect to the various aspects that make up a lease/loan (e.g. pricing, rates, payment, term, collateral)
• Manages the credit process for a portfolio of clients including reviewing financial statements, assessing the client's compliance with financial covenants, confirming the accuracy of risk ratings, and recommending changes as warranted

Kenntnisse

Attention to Detail

Credit and Risk Assessment

Financial Analysis

Underwriting

Written Communications

Analytical Thinking

Credit Documentation

Financial Forecasting

Recording/Organizing Information

Business Acumen

Collaboration

Collateral Management

Loan Structuring

Prioritization

Ausbildung

BA/BS in Finance or related

MBA/CFA preferred

High School Diploma / GED

Jobbeschreibung

Bank of America is seeking a skilled Senior Credit Underwriter (or Credit Underwriter II) to perform risk assessment, analyze borrower and industry data, and prepare transaction justifications for moderately complex to complex financings.

You will partner with Credit Officers, Relationship Management, and Risk teams to deliver integrated credit solutions to large corporate clients, while ensuring policy adherence and timely loan decisions.