Senior Public Finance Credit Underwriter

Bank of America Corporation; Charlotte (NC); On-site; USD 87,000 - 200,000; Full time

Job summary

Bank of America Corporation in Charlotte, NC, seeks an experienced credit professional to underwrite and monitor municipal and public finance transactions for US state and local entities, including higher education. The role partners with client-facing teams to deliver integrated credit solutions and drive responsible risk-taking.

You will lead the credit analysis process, build financial models, and mentor teammates while ensuring timely, compliant decisions.

Qualifications

• 5+ years of experience in commercial banking, finance or municipal/public credit.
• Experience in the analysis and structuring of complex transactions.
• Strong credit and risk analysis skills.
• Proficient in Microsoft Office.

Responsibilities

• Lead the credit analysis process with support from analysts and associates.
• Partner with Credit Officers, Relationship Management, and Risk teams to understand structuring needs.
• Monitor operating performance and financial condition, identifying issues and opportunities.
• Assist in delivery of financial modeling, loan structure, industry, and other analyses.
• Review junior teammates' work to ensure compliance with laws and policy.
• Support loan documentation and negotiations with internal/external 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

Undergraduate degree in finance, accounting or related field

Tools

Microsoft Office

Job description

Bank of America Corporation in Charlotte, NC, seeks an experienced credit professional to underwrite and monitor municipal and public finance transactions for US state and local entities, including higher education. The role partners with client-facing teams to deliver integrated credit solutions and drive responsible risk-taking.

You will lead the credit analysis process, build financial models, and mentor teammates while ensuring timely, compliant decisions.