Enterprise Credit Summer Analyst Program 2025 -Global Commercial Banking Credit, Asset Based Finance &Commercial Real Estate Credit

Enterprise CreditAnalyst Program -2025

EnterpriseCredit overview

The Enterprise Credit organization is anintegrated credit underwriting, monitoring and product managementorganization managing credit for clients in the bank’s eight linesof business including consumers, companies, andinstitutions .

To deliver seamlessly for our clients,the Enterprise Credit team works with a large array of partners inGlobal Risk, Global Operations, Global Banking and Consumer &Small Business Banking.

For more information onour eight-lines of business, please refer to the annual report.

Enterprise Credit analystprogram

The Enterprise CreditSummer Analyst Program is a ten-week program that provides youbroad exposure into our credit underwriting, monitoring, businesscontrols and data management routines.

The program emphasizeson-the-job training augmented by classroom instruction focused ontechnical, analytical, and professional skills.

Our goal is for you to have the opportunity tobuild upon your academic foundation - specifically technicalskills, industry knowledge and familiarity with a corporateenvironment - while pursuing your career, based on your interestsand background.

Your training and development is our top priority,with extensive formal training offered at the start of the programand on-the-job support, events, and mentorship throughout.

The Enterprise Credit program has five tracks tosupport the eight lines of business. The tracks include :

• Consumer Credit
• Global Wealth & Investment ManagementCredit (Supporting our Merrill and Private Bank clients)
• Global Commercial Banking (GCB),Asset Based Finance and Commercial Real EstateCredit
• Global Corporate &Investment Banking and Global Markets Credit
• Data and Analytics and BusinessControls / Process Optimization

This job requisitionis for the Global Commercial Banking (GCB), Asset Based Finance andCommercial Real Estate Credittrack.

GlobalCommercial Banking (GCB), Asset Based Finance and Commercial RealEstate Credit :

Candidates for thiscredit portfolio need a strong understanding of corporate financeand accounting principles to evaluate company financials.

The teamsare structured by client size and product specialty groups :

• GCB & BBCredit - Supports companies with revenues between $5million and $2 billion
• Asset-BasedFinance - Supports clients with asset-based lending,leases and auto dealer financing needs (i.e. auto dealershipfloorplan financing)
• CommercialReal Estate Credit - Supports clients withcommercial real estate lending needs. This team also includes ourCommunity Development Banking team which provides financing forcommunity improvement and development activities such as low-incomehousing

What to expectday to day

Over the ten-weekprogram, you will participate in a variety of day-to-day activitiesdepending on the credit portfolio to which you are aligned.

Youwill be paired with a senior team of credit professionals and maywork with different types of clients including companies andinstitutions.

Potential activities include :

• Analysis of client financialinformation, identification / mitigation of potential risks,compliance with regulatory requirements and evaluation ofcollateral in determination of creditworthiness
• Participate in loan structureconversations and completion of loan documentation
• Complete monitoring activities
• Review and evaluate collateral to ensureappropriate requirements are met
• Analyzeclients' financial performance by comparing it to past performance
• Complete cash-flow analysis to understand theclient’s ability to repay
• Attend clientmeetings to develop a deeper understanding of the client'sbusiness, management team, and past and future performance
• Review completed client requests to ensurecompliance with policy and procedures

Locations

Atlanta,Boston, Charlotte, Chicago, Dallas, Houston, Los Angeles, New York,San Francisco, Seattle

Qualifications

• Candidatesare required to be pursuing a bachelor’sdegree from an accredited college or university witha graduation timeframe between December 2025 and June2026
• 3.2 minimumGPA preferred
• A history of highachievement
• Common areas ofstudy include but are not limited to :
• CorporateFinance
• Accounting - 12+ credit hourspreferred
• Economics
• Otherrelated majors
• Candidates shouldpossess a high level of intellectual curiosity, a drive foroperational excellence, and a commitment to achieving sustainableresults.
• Additionally, students should holdstrong academic and technical skills in Microsoft Office, as wellas show proficiencies in leadership, teamwork, problem solving& analytical skills, verbal and written communication, andprofessionalism.

Bank of America isunable to consider candidates that will require visa sponsorshipnow, or in the future, for this specific role.

Bank of America does not complete third partyforms from colleges, universities, or other parties.

Full / Part-time : Fulltime

Hours PerWeek : 40.00

Shift : 1stShift