Senior Credit Underwriter: Middle Market Lending

Bank of America; Houston (TX); Vor Ort; USD 95.000 - 170.000; Vollzeit

Zusammenfassung

Bank of America is seeking an experienced Underwriter for the Global Commercial Banking credit team in Houston, Dallas, and Clayton markets. You will analyze lending opportunities and model cash flows for middle-market clients, reporting to a Senior Credit Manager and collaborating with Relationship Managers and product partners.

The ideal candidate has BA/BS and 5–10 years of underwriting in Commercial Banking, strong analytical and communication skills, and a disciplined approach to risk,

Qualifikationen

• BA/BS degree required.
• 5–10 years of Commercial Banking underwriting experience.
• Proficiency in accounting principles, financial statement analysis and financial modeling.
• Strong credit analysis skills and understanding of capital structures.
• Understanding of credit documentation, including term sheets, credit agreements and ancillary agreements.
• Strong written and verbal communication skills.
• Unwavering attention to detail and accuracy.
• Ability to work in a fast paced, deadline driven environment.
• Ability to juggle and prioritize multiple transactions and responsibilities at a time.

Aufgaben

• Partner with credit teammates, relationship management and product teams to develop strategic debt financing solutions
• Employ credit and accounting knowledge to structure bilateral and syndicated loans aligned with client needs and bank risk parameters
• Analyze ancillary credit exposure for treasury, rates and foreign exchange products
• Perform due diligence and dynamic risk assessments of borrowers, industries and transactions
• Create credit approval packages and own the credit approval process from initiation through final decision
• Construct detailed financial cash flow and repayment models, including sensitivity analyses
• Complete enterprise value (discounted cash flow), pricing, returns and risk rating models
• Ensure adherence to regulatory and internal policies and procedures
• Exercise approval authority for certain credit actions
• Present well supported opportunities to credit and risk leadership
• Partner with internal and external legal partners to complete loan documentation
• Oversee quarterly monitoring exercises and requirements

Kenntnisse

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

Ausbildung

BA/BS degree

Jobbeschreibung

Bank of America is seeking an experienced Underwriter for the Global Commercial Banking credit team in Houston, Dallas, and Clayton markets. You will analyze lending opportunities and model cash flows for middle-market clients, reporting to a Senior Credit Manager and collaborating with Relationship Managers and product partners.

The ideal candidate has BA/BS and 5–10 years of underwriting in Commercial Banking, strong analytical and communication skills, and a disciplined approach to risk,