Credit Underwriter II - Portfolio Management/Commercial Real Estate Banking

In this role, the Credit Underwriter II manages monitoring and maintenance activities for a portfolio of commercial real estate loans, ensuring adherence to credit policies and contributing to the credit approval process. Responsibilities Lead the credit analysis process with support from analysts and associates. Partner with Credit Officers, Relationship Management, and Risk teammates to understand structuring needs and requirements. Monitor operating performance and financial condition, proactively identifying issues and opportunities. Assist in delivery of financial modeling, loan structure, industry, economic, and other analyses to support loan decision-making. Review work of junior teammates to provide feedback and coaching, ensuring compliance with laws, rules, regulations, and policy procedures. Possibly hold primary coverage responsibility for a portfolio of clients with credit approval for certain credit actions. Participate in loan structure conversations and complete loan documentation with internal/external legal partners. Execute post‑close credit activities, including documenting conditions, administering approved extensions, and coordinating related legal documentation. Perform comprehensive portfolio monitoring and maintenance activities, including covenant compliance, construction and collateral reviews, financial and guarantor analysis, and ongoing risk assessment. Contribute to process improvement and simplification initiatives to enhance portfolio oversight, credit execution, and operational efficiency. Required Qualifications 5+ years of commercial credit financial analysis and portfolio management experience. 5+ years of financial accounting, financial modeling, or loan structuring. Commercial Credit Training. Desired Qualifications Bachelor’s degree in finance, accounting, economics, or similar. Certificate from an accredited real estate educational program. Large money center bank experience. CRE portfolio management experience. 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 Portfolio Management Shift 1st shift (United States of America) Hours Per Week 40 Pay and Benefits Pay range: $80,000.00 - $135,000.00 annualized salary. Discretionary incentive: Eligible to participate in an annual discretionary plan based on individual performance. Benefits: Industry-leading benefits, access to paid time off, resources, and support to employees for a genuine impact. #J-18808-Ljbffr Bank of America