Commercial Credit UW I-II

Bank Of America Job Posting

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities, and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!

The UW is responsible for underwriting and structuring of credit transactions. The UW is able to underwrite credit transactions with minimal oversight from the Credit Officer (CO) and also approves complex credit transactions with some coaching from the CO / Commercial Credit Manager (CCM). The UW leads the credit approval process with assistance from the CCM as needed for clients without CO coverage and is an active participant with the CO in the credit approval process for complex clients / transactions. UWs may call on credit clients and prospects in partnership or independently with the RM and / or CO as appropriate. Provides ongoing management and primary accountability for a portion of the monitoring and maintenance activities on an assigned portfolio or market, including a higher composition of complex client relationships. They monitor clients operating performance and financial condition to proactively identify issues and opportunities. They deliver financial, industry, economic, and other analysis to facilitate decision making, while also ensuring adherence to credit policies, guidelines, and applicable regulatory requirements. The UW's provide ongoing coaching and support to other Credit Team members. They report to CCM and partner closely with COs.

Responsibilities

• Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facility.
• Partners with Credit Officers, Relationship Management, and Risk teammates to assess and deliver credit solutions.
• Monitors the client's operating performance and financial condition, proactively identifying issues and opportunities.
• Delivers financial modeling, loan structure, industry, economic, and other analysis to team members to support the loan decision-making process.
• Ensures adherence to credit policies, guidelines, procedures, and applicable regulatory requirements.

Skills

Required Qualifications :

Desired Qualifications :

Shift : 1st shift (United States of America)

Hours Per Week : 40