Job Description

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.

Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive and flexible benefits.

We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve.

Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs.

At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!

This job is responsible for analyzing, underwriting, and approving credit solutions for new and existing commercial and small business clients. Key responsibilities include exercising approval authority using discretion that is in line with business (or product) guidelines and risk tolerance and negotiating with the client team on credit terms, performing full underwriting analysis, and preparing deal justification. Job expectations include serving as the point of contact for driving commercial and small business credit solutions for the client.

Responsibilities:

• Analyzes, underwrites, and approves credit solutions for existing and new clients and approves credit requests in accordance with the applicable credit approval grid
• Conducts analysis including financial spreads, risk rating scorecards, industry assessment, and cash flow
• Ensures underwriting complies with bank credit policy and procedures
• Partners with client facing and internal colleagues to structure transactions and align on the best solution for the client
• Ensures data quality of credit related client and deal information

Skills:

• Credit Documentation Requirements
• Credit and Risk Assessment
• Customer and Client Focus
• Financial Analysis
• Underwriting
• Attention to Detail
• Business Acumen
• Collateral Management
• Decision Making
• Recording/Organizing Information
• Collaboration
• Data Management
• Oral Communications
• Prioritization
• Written Communications

Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent

Shift:

1st shift (United States of America)

Hours Per Week:

40