Credit Analyst I - Global Infrastructure Credit
About The Position
The Credit Analyst I supports end-to-end credit underwriting and monitoring for new and existing clients. The role completes credit analysis, evaluates risk, and prepares financial analysis using various tools and systems. It analyzes financial statements, projections, industry data, covenant compliance, collateral, and policy requirements to ensure alignment with the bank’s risk appetite. The Global Infrastructure Credit team supports sustainable and infrastructure finance and Bank of America’s Critical Infrastructure Finance Initiative. The team covers Project Finance, Tax Equity, and Corporate Lending transactions, participating in origination and underwriting. The analyst contributes to transaction credit approval and to the underwriting and documentation of project finance and other credit facilities, balancing client and investor needs with the bank’s risk and return requirements.
Requirements
- At least 1 year of experience in corporate or commercial credit at a financial institution.
- Strong written and verbal communication skills.
- A strong combination of academic aptitude, quantitative skills, and strategic and creative thinking.
- Ability to manage multiple complex tasks while delivering high-quality results.
- Intellectual curiosity and focus on continuous learning and skill building.
- Ability to work independently, build internal and external relationships, and manage multiple stakeholders.
Nice To Haves
- Master’s degree in finance or accounting, or equivalent work experience.
- Experience in project finance, tax equity, or structured credit focused on energy, power, infrastructure, or data center financing.
- Strong technical skills, including quantitative financial modeling.
- Formal credit training program at a financial institution.
Responsibilities
- Analyze client financial information, identify and mitigate potential risks, assess regulatory compliance, and evaluate collateral when determining creditworthiness.
- Monitor clients’ financial performance and evaluate collateral to ensure applicable requirements are met.
- Listen in on client meetings to develop an understanding of the client’s business, management team, and past and future performance.
- Review completed client requests for compliance with policy and procedures.
- Understand how credit data is used internally and provided to regulatory partners.
- Assist with periodic portfolio reviews.
- Perform financial, business, industry, and transaction analyses; conduct research; and prepare supporting documentation for transaction credit approval.
- Conduct qualitative and quantitative due diligence on transaction structures, stress scenarios, financial models, engineer reports, and terms and conditions.
- Participate in the underwriting and documentation of project finance and other credit facilities designed to meet client and investor needs while balancing the bank’s internal risk and return requirements.
- Provide input into key projects and initiatives across the bank.
- Review the credit profile of key transaction counterparties, such as borrowers, servicers, sponsors, and off-takers.
- Engage with partners including GCIB Enterprise Credit Officers for recourse obligors, Enterprise Credit Risk, and Global Markets Risk.
Benefits
- Industry-leading benefits
- Paid time off
- Resources and support for employees
- Eligibility to participate in an annual discretionary incentive plan
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Education Level
No Education Listed
