Credit Analyst II/Credit Underwriter I-Commercial Real Estate Credit
About The Position
At Bank of America, this role supports credit underwriting and monitoring for moderately complex commercial real estate client relationships. It completes and reviews credit analyses, evaluates risks, and prepares financial analyses using advanced tools and systems. The role assesses financial statements and projections, industry data, covenant compliance, collateral, and policy requirements to ensure alignment with the bank’s risk appetite. The position is based at one of the listed Bank of America offices in San Francisco, California, or Seattle, Washington. Bank of America describes its work culture as in-office, with role-specific flexibility based on responsibilities and business needs. The role is a first-shift position scheduled for 40 hours per week.
Requirements
- At least 6 months of commercial real estate credit-related experience, including applicable internships.
- Experience in financial analysis, underwriting, and portfolio management.
- Experience in financial accounting, financial modeling, and loan structuring.
- Skills in analytical thinking, financial analysis, financial forecasting and modeling, profitability analysis, research analysis, attention to detail, business acumen, credit and risk assessment, underwriting, written communications, collaboration, critical thinking, portfolio analysis, prioritization, and technical documentation.
Nice To Haves
- Bachelor’s degree in finance, accounting, economics, or a similar field.
- Certificate from an accredited real estate educational program.
- Banking experience.
- Commercial real estate underwriting experience.
- Commercial credit training.
Responsibilities
- Analyze client financial information, identify and mitigate potential risks, assess regulatory compliance, and evaluate collateral to determine creditworthiness.
- Monitor clients’ financial performance and evaluate collateral to ensure appropriate 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 policies and procedures.
- Understand how credit data is used internally and provided to regulatory partners.
- Assist with periodic portfolio reviews.
- Participate in loan structure discussions and complete loan documentation.
Benefits
- Paid time off.
- Access to resources and support for employees.
- Eligible to participate in the annual discretionary incentive plan, with awards based on individual performance and behaviors, line-of-business or group performance and contributions, and overall company success.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
