Credit Underwriter II / Senior Credit UW

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. Job Description: 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. 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. Skills Attention to Detail Credit and Risk Assessment Financial Analysis Underwriting Written Communications Analytical Thinking Credit Documentation Requirements Financial Forecasting and Modeling Recording/Organizing Information Business Acumen Collaboration Collateral Management Loan Structuring Prioritization Required Qualifications 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. Desired Qualifications 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.

Desired Shift: 1st shift (United States of America) Hours Per Week: 40 Pay Transparency details US - IL - Chicago - 110 N Wacker Dr - Bank Of America Tower Chicago (IL4110) Pay and benefits information Pay range $89,000.00 - $187,500.00 annualized salary, offers to be determined based on experience, education and skill set. Discretionary incentive eligible This role is eligible to participate in the annual discretionary plan. Employees are eligible for an 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. Benefits This role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve. Bank of America is committed to help employees through the transition period when they're displaced as a result of a workforce reduction, realignment or similar measure. Please review the resume writing and interviewing tips provided below to help prepare you for your next career opportunity. Getting started Regardless of the position you are interested in, the starting points to building your resume are the same: 1. Determine the job or types of jobs you want to do and research their responsibilities and qualifications. 2. Think about why you can do the job and make a list of your skills that are relative to the job. 3. Identify experiences or accomplishments that show your proficiency in the skills required for the job. 4. Summarize your abilities, accomplishments and skills into a brief, concise document. Considerations when writing a resume Do be brief. Resumes should be 1-2 pages in length. Do be upbeat and active in your wording. Do emphasize what you have done clearly and concretely. Do be neat and well organized. Do have others proofread and critique your resume. Spell check. Make it error free. Do use high quality, white or light colored 8½ x 11 paper. Use a laser printer if possible. Don't be dishonest, always tell the truth about yourself in the most flattering light. Don't include salary history or requirements. Don't include references. Don't include accomplishments that do not support your professional goals. (For example, don't mention your fondness for swimming unless you want to work on the water.) Don't use italics, underlining, shadows or other fancy treatments. Seven steps to a successful interview Anticipate - Put yourself in the interviewer's position. What do you believe the interviewer is most interested in? Why do you think you have been invited to interview? Research - What are the primary functions of the line of business? What are the success factors for the job? Is there a job description available? Assess - Think about your skills, abilities, knowledge, interests, traits, values and accomplishments. Match them to what you know about the job. Consider which ones you should highlight. Prepare Answers - Think about what the interviewer may ask, determine what the best answer is and write it down. Prepare Questions - Interviewing is a two-way street. By asking thoughtful questions, you communicate your interest and learn a lot about the job. Choose two or three questions to ask your interviewer. Avoid asking a lot of questions about vacation time or breaks. Practice - It may seem awkward, but it is the best way to come across well in an interview. Practice your own "great responses" with others or in front of a mirror until you appear relaxed and at ease. Follow-up - Send a brief follow-up letter to the interviewer. Keep in mind that the many job searchers will not send a follow-up letter. Sending one can become a competitive advantage. Pay Transparency - Privacy Statement - #J-18808-Ljbffr Bank of America