Credit Analyst I - Global Infrastructure Credit

Bank of America • Charlotte, NC

2d • $75,000 - $95,000 • Onsite

About The Position

The Credit Analyst I supports end-to-end credit underwriting and monitoring for new and existing clients. The role performs credit analysis, evaluates risks, and prepares financial analysis using various tools and systems. It assesses financial statements and projections, industry information, covenant compliance, collateral, and policy requirements to ensure alignment with the bank’s risk appetite.

As part of Bank of America’s Global Infrastructure Credit team, the analyst supports the growth of sustainable and infrastructure finance and the bank’s Critical Infrastructure Finance Initiative. The team covers Project Finance, Tax Equity, and Corporate Lending through transaction origination and underwriting. The role participates in the underwriting and documentation of credit facilities, conducts due diligence and portfolio monitoring, and works with internal partners to balance 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 a 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 collateral to ensure requirements are met.
• Listen in on client meetings to learn about clients’ businesses, management teams, 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.
• Conduct financial, business, industry, and transaction analyses; research relevant issues; 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 underwriting and documenting project finance and other credit facilities that address client and investor needs while balancing the bank’s risk and return requirements.
• Provide input on key projects and initiatives across the bank.
• Review the credit profiles of transaction counterparties, including 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

• Benefits eligibility.
• Access to paid time off.
• Resources and support for employees.
• Eligibility to participate in an annual discretionary incentive plan, with awards based on individual performance and behavior, line-of-business or group performance and contributions, and overall company success.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: No Education Listed