Senior Credit Underwriter - Loan Structuring & Analysis

Bank of America; Town of Charlotte (NY); On-site; USD 89,000 - 188,000; Full time

Job summary

Bank of America in Chicago, IL is seeking an experienced credit underwriting professional to support underwriting and monitoring for a portfolio of mid-to-large clients. The role centers on financial analysis, loan structuring and risk assessment to drive informed decisions.

You will lead analytical work, collaborate with Relationship Managers and Risk teams, and ensure timely, compliant loan actions. A strong background in commercial banking underwriting is essential.

Qualifications

• 7+ years of solid experience in Commercial Banking Underwriting (Middle Market or Large Corporate or Leveraged Finance) performing financial analysis, structuring, and portfolio management.
• Strong communication and analytical/technical skills, including financial accounting, modeling and loan structuring.

Responsibilities

• Manages a portfolio of clients supporting underwriting and/or monitoring requirements with limited to moderate complexity
• Independently works with Relationship Management, and Risk teammates to understand structuring needs and requirements
• Delivers financial modeling, loan structure, industry, economic, and other analyses to team members to support the loan decision‑making process
• Reviews work of junior teammates to provide feedback/coaching and ensure compliance with laws, rules, regulations and policy procedure
• Has credit approval for certain credit actions
• Leads loan structure conversations and completion of loan documentation with internal/external legal partners

Skills

Attention to Detail

Credit and Risk Assessment

Financial Analysis

Underwriting

Written Communications

Analytical Thinking

Credit Documentation Requirements

Financial Forecasting and Modeling

Recording/Organizing Information

Business Acumen

Collaboration

Collateral Management

Loan Structuring

Prioritization

Education

BA/BS

Job description

Bank of America in Chicago, IL is seeking an experienced credit underwriting professional to support underwriting and monitoring for a portfolio of mid-to-large clients. The role centers on financial analysis, loan structuring and risk assessment to drive informed decisions.

You will lead analytical work, collaborate with Relationship Managers and Risk teams, and ensure timely, compliant loan actions. A strong background in commercial banking underwriting is essential.