Credit Analyst II/Underwriter I - Global Corporate & Investment Banking/Energy

Credit Analyst II/Underwriter I - Global Corporate & Investment Banking/Energy

Houston, Texas;Charlotte, North Carolina

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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!

Job Description:

This job is responsible for performing risk assessment and repayment capacity analysis (i.e., financial, borrower, industry, etc.) and preparing transaction justification for complex transactions with limited supervision for clients in Energy sector. Key responsibilities include documenting credit analysis, independently assessing historic and projected borrower financial information, evaluating adherence to policy and procedure, providing loan structure analysis and recommendations, monitoring portfolio performance and Reserve Based Loan redeterminations.Job expectations include completing regular monitoring and underwriting tasks and supporting key internal stakeholders to achieve successful execution of new transactions.

Internal employees who are currently working from home are still eligible to apply. However, if selected for the role, you may be required to work onsite in accordance with the workplace excellence policy

Position can be filled as Credit Analyst II or Credit Underwriter I based on level of experience.

Responsibilities:

• Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facility

• Partners with Credit Officers, Relationship Management, and Risk teammates to assess and deliver credit solutions

• Monitors the client's operating performance and financial condition, proactively identifying issues and opportunities

• Delivers financial modeling, loan structure, industry, economic, and other analyses to team members to support the loan decision-making process

• Ensures adherence to credit policies, guidelines, procedures, and applicable regulatory requirements

Required Qualifications:

• 2+ year's of commercial and/or corporate banking credit underwriting-related experience, preferably within a bank or large financial institution

• Understanding of foundational finance and accounting concepts

• Proficient written and verbal communication skills

• Strong time-management skills with the ability to manage multiple priorities

• Proficiency in Excel, including the use of formulas and data analysis tools

• Demonstrated experience analyzing corporate financial statements, interpret income statements, balance sheets, and cash flow statements

• Experience producing analytical written summaries

Desired Qualifications:

• Bachelor's Degree with emphasis in finance, accounting or economics

• 3+ years of commercial and/or corporate banking credit underwriting-related experience, preferably within a bank or large financial institution

• Experience underwriting clients in the Energy sector, including upstream Oil & Gas

Skills:

• Attention to Detail

• Financial Analysis

• Underwriting

• Written Communications

• Analytical Thinking

• Credit Documentation Requirements

• Credit and Risk Assessment

• Financial Forecasting and Modeling

• Recording/Organizing Information

• Business Acumen

• Collaboration

• Collateral Management

• Loan Structuring

• Prioritization

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

Shift:

1st shift (United States of America)

Hours Per Week:

40

Bank 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.

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Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work.

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