Energy

Bank of America•Houston, TX

1d•Onsite

About The Position

This job is responsible for performing risk assessment and repayment capacity analysis (i.e., financial, borrower, industry, etc.) and preparing transaction justification for complex transactions with limited supervision for clients in Energy sector. Key responsibilities include documenting credit analysis, independently assessing historic and projected borrower financial information, evaluating adherence to policy and procedure, providing loan structure analysis and recommendations, monitoring portfolio performance and Reserve Based Loan redeterminations. Job expectations include completing regular monitoring and underwriting tasks and supporting key internal stakeholders to achieve successful execution of new transactions. Internal employees who are currently working from home are still eligible to apply. However, if selected for the role, you may be required to work onsite in accordance with the workplace excellence policy. Position can be filled as Credit Analyst II or Credit Underwriter I based on level of experience.

Requirements

2+ year's of commercial and/or corporate banking credit underwriting–related experience, preferably within a bank or large financial institution
Understanding of foundational finance and accounting concepts
Proficient written and verbal communication skills
Strong time‑management skills with the ability to manage multiple priorities
Proficiency in Excel, including the use of formulas and data analysis tools
Demonstrated experience analyzing corporate financial statements, interpret income statements, balance sheets, and cash flow statements
Experience producing analytical written summaries
High School Diploma / GED / Secondary School or equivalent

Nice To Haves

Bachelor's Degree with emphasis in finance, accounting or economics
3+ years of commercial and/or corporate banking credit underwriting–related experience, preferably within a bank or large financial institution
Experience underwriting clients in the Energy sector, including upstream Oil & Gas

Responsibilities

Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facility
Partners with Credit Officers, Relationship Management, and Risk teammates to assess and deliver credit solutions
Monitors the client's operating performance and financial condition, proactively identifying issues and opportunities
Delivers financial modeling, loan structure, industry, economic, and other analyses to team members to support the loan decision-making process
Ensures adherence to credit policies, guidelines, procedures, and applicable regulatory requirements