Senior Credit Underwriter

Bank of America • Baltimore, MD

5d • Onsite

About The Position

This job is responsible for supporting credit underwriting and monitoring for new and existing clients in partnership with a credit team. Key responsibilities include independently managing transactions or portfolios of limited to moderate complexity, completing and reviewing credit analysis, evaluating risks, and writing financial analysis. Job expectations include leading the process, ensuring timely and accurate analysis, and coaching teammates on credit requirements.

Requirements

• Attention to Detail
• Credit and Risk Assessment
• Financial Analysis
• Underwriting
• Written Communications
• Analytical Thinking
• Credit Documentation
• Financial Forecasting and Modeling
• Recording/Organizing Information
• Business Acumen
• Collaboration
• Collateral Management
• Loan Structuring
• Prioritization
• 7+ years of solid experience in Commercial Banking Underwriting (Middle Market or Large Corporate or Leveraged Finance) performing financial analysis, structuring, and portfolio management
• Strong communication and analytical/technical skills, including financial accounting, modeling and loan structuring.

Nice To Haves

• Participate with RM or CO's to negotiate Credit Agreements & loan documents, as needed.
• Be knowledgeable of the closing process & timeline for all types of loans (i.e. real estate, revolvers, etc.)
• BA/BS

Responsibilities

• Manages a portfolio of clients supporting underwriting and/or monitoring requirements with limited to moderate complexity
• Independently works with Relationship Management, and Risk teammates to understand structuring needs and requirements
• Delivers financial modeling, loan structure, industry, economic, and other analyses to team members to support the loan decision-making process
• Reviews work of junior teammates to provide feedback/coaching and ensure compliance with laws, rules, regulations and policy procedure
• Has credit approval for certain credit actions
• Leads loan structure conversations and completion of loan documentation with internal/external legal partners

Benefits

• access to paid time off
• Discretionary incentive eligible
• annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: Associate degree