UHNW Mortgage Underwriter — Custom Lending

Bank of America; Phoenix (AZ); On-site; USD 90,000 - 130,000; Full time

Job summary

Bank of America is seeking a results-oriented underwriter for ultra-high-net-worth commercial credit with a strong background in financial analysis and risk assessment. The role involves reviewing complex personal and business cash flows, preparing credit packages, and coordinating with private banking teams to deliver tailored loan solutions.

Ideal candidates will have 3+ years in complex client credit, familiarity with tax returns, and robust Excel modeling skills.

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

Financial Forecasting and Modeling

Profitability Analysis

Attention to Detail

Business Acumen

Credit and Risk Assessment

Underwriting

Written Communications

Collaboration

Critical Thinking

Portfolio Analysis

Prioritization

Technical Documentation

Education

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

High School Diploma / GED / Secondary School or equivalent

Job description

Bank of America is seeking a results-oriented underwriter for ultra-high-net-worth commercial credit with a strong background in financial analysis and risk assessment. The role involves reviewing complex personal and business cash flows, preparing credit packages, and coordinating with private banking teams to deliver tailored loan solutions.

Ideal candidates will have 3+ years in complex client credit, familiarity with tax returns, and robust Excel modeling skills.