Senior UHNW Mortgage Underwriter

Careerwebsite; Houston (TX); Hybrid; USD 110,000 - 180,000; Full time

Job summary

Bank of America seeks an experienced credit professional to extend and monitor custom mortgage portfolios for ultra high net worth clients. You will work with private banking teams to tailor solutions, analyze financial statements, and prepare approval packages for fast, accurate loan decisions.

The role requires 3+ years of credit experience, plus strong tax and cash-flow analysis skills, with collaboration across risk, legal, and fulfillment partners to deliver credit solutions.

Qualifications

• 3+ years of commercial or ultra-high-net-worth/complex client credit experience.
• Strong familiarity with personal tax returns and financial statements.
• Ability to analyze complex cash flows involving multiple income streams.

Responsibilities

• Financial Analysis: Analyze and spread complex personal financial information using advanced Excel workbooks.
• Risk Assessment: Identify potential risks and mitigants; elevate issues to the appropriate approver for resolution.
• Deal Management: Manage multiple transactions simultaneously throughout the loan lifecycle, from application to booking.
• Cross-Functional Communication: Regularly communicate and collaborate with partners across multiple lines of business to ensure alignment and timely execution.

Skills

Analytical Thinking

Financial Analysis

Credit and Risk Assessment

Underwriting

Risk Assessment

Financial Forecasting and Modeling

Deal Management

Attention to Detail

Portfolio Analysis

Cross-Functional Collaboration

Education

Bachelor's degree in Business Administration, Finance, Accounting, or Economics

High School Diploma / GED

Tools

Excel

Job description

Bank of America seeks an experienced credit professional to extend and monitor custom mortgage portfolios for ultra high net worth clients. You will work with private banking teams to tailor solutions, analyze financial statements, and prepare approval packages for fast, accurate loan decisions.

The role requires 3+ years of credit experience, plus strong tax and cash-flow analysis skills, with collaboration across risk, legal, and fulfillment partners to deliver credit solutions.