Credit Underwriter

Enterprise Credit Treasury Lending Underwriter I-II or SeniorAt 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 impacting 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!Responsible for Middle Market, Business Banking, HENFP, CREB, HSTR. DFS, and GWIM underwriting, structuring, and approving credit actions for new Treasury Management and Card credit requests, renewals, and reviews. Exercises single signature approval authority for Intraday and Card credit exposure per applicable approval grids. Credit decisions must meet underwriting quality and risk management standards and comply with bank policies and procedures. Strong credit skills with ability to work independently and reach credit decisions timely and efficiently. Will also provide leadership and periodically provide concurrence approval on policy and underwriting exception variances in addition to dollar amount concurrences. May participate in projects and initiatives to achieve strategic objectives of the organization.Responsibilities:Analyze, underwrite, and approve credit solutions for existing and new Treasury and card clients; approve Treasury and Card credit requests in accordance with applicable credit approval gridConduct credit analysis including financial spreads, risk rating scorecards, industry assessment, cash flow; complete Credit Approval documentationEvaluate credit worthiness and provide analysis and decisioning on whether a client should be approved for a Treasury or Card credit facilityEnsure underwriting complies with Bank credit policy and proceduresPartner with Relationship Managers, Treasury Sales Officers, and Risk teammates to assess and deliver Treasury and Card credit solutionsEnsure data quality of credit related client and deal informationMentor and assist junior team members as applicableSkills:Attention to DetailCredit and Risk AssessmentFinancial AnalysisUnderwritingWritten CommunicationsAnalytical ThinkingCredit Documentation RequirementsFinancial Forecasting and ModelingRecording/Organizing InformationBusiness AcumenCollaborationCollateral ManagementLoan StructuringPrioritizationRequired Qualifications:Minimum of 5-7 plus years of COMMERCIAL underwriting and credit analysis3 plus years of commercial credit decisioning experience with approval signature authorityFormal commercial credit training or equivalent work experience.Prior experience in a high volume production environmentSuperior teamwork skills in the commercial market space.Bachelor's degree or equivalent work experience, preferably in business administration, finance, accounting, or economicsDesired Qualifications:Line management and administrative experience desired.Knowledge of Treasury Cash Management products and Commercial Card.Prior Sales and/or customer service experience also preferredShift: 1st shift (United States of America)Hours Per Week: 40Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial, and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status, or any other factor that is irrelevant to the performance of our teammates.