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 client relationships. The position completes and reviews credit analyses, evaluates risks, and prepares financial analyses using advanced tools and systems. It assesses financial statements, projections, industry data, covenant compliance, collateral, and policy requirements to ensure alignment with the bank’s risk appetite. The role also monitors client financial performance and collateral, participates in periodic portfolio reviews, and contributes to loan structure discussions and loan documentation. It listens to client meetings to build an understanding of clients’ businesses, management teams, and past and future performance. Bank of America describes an in-office culture that supports collaboration, engagement, and career development, with flexibility based on role-specific responsibilities and business needs.
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.
- Bank 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 when determining creditworthiness.
- Monitor client financial performance and collateral to ensure applicable requirements are met.
- Listen in to client meetings to develop an understanding of clients’ businesses, management teams, 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 conversations and complete loan documentation.
Benefits
- Benefits eligibility.
- Access to paid time off.
- 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.
- Affordable, competitive, and flexible benefits supporting physical, emotional, and financial wellness.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
