Senior Credit Underwriter – Middle Market Loans

Internationalinsuranceprofessionals; Houston (TX); On-site; USD 120,000 - 180,000; Full time

Job summary

Bank of America is seeking an experienced Underwriter to join the Global Commercial Banking credit team in Houston and Dallas markets. You will underwrite loans and related credit exposure for a middle‑market portfolio, working closely with Relationship Management and product teams.

Responsibilities include structuring loans, performing detailed cash flow analyses, and preparing credit approval packages while ensuring compliance with bank policies and regulatory standards.

Qualifications

• BA/BS degree required.
• 5 to 10 years of Commercial Banking underwriting experience.
• Proficiency in accounting principles, financial statement analysis and financial modeling.
• Solid foundation in credit analysis, including evaluation of business risk, industry trends and 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.

Responsibilities

• 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.

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 degree

Job description

Bank of America is seeking an experienced Underwriter to join the Global Commercial Banking credit team in Houston and Dallas markets. You will underwrite loans and related credit exposure for a middle‑market portfolio, working closely with Relationship Management and product teams.

Responsibilities include structuring loans, performing detailed cash flow analyses, and preparing credit approval packages while ensuring compliance with bank policies and regulatory standards.