Credit Underwriter II-Leasing/Global Vendor Finance

Job Overview This role analyzes and interprets a client’s creditworthiness, evaluates credit risks, and writes credit approval memos for annual renewals and new lending opportunities. The analyst supports underwriting, monitoring, and closing of transactions, ensuring compliance with the bank’s risk appetite. Responsibilities Analyze client financial performance, compare to past performance, projections, and industry standards. Review financial statements, assess compliance with financial covenants, and renew risk ratings, recommending changes when warranted. Assist in underwriting, credit risk analysis, negotiation, and closing of new or existing transactions while adhering to all policies. Evaluate transaction and relationship risk‑adjusted profitability to facilitate capital allocation. Build projection models for clients based on historical performance, industry forecasts, and due diligence findings. Train, coach, and mentor Credit Analysts. Partner with client‑facing teammates to consult on sales opportunities and provide product expertise. Structure terms of leases/loans concerning pricing, rates, payment, term, and collateral. Manage the credit process for a portfolio of clients, reviewing statements, assessing covenants, confirming risk ratings, and recommending changes. Required Qualifications 3+ years of commercial credit underwriting and credit analysis experience. Effective presentation, structuring, financial statement, and risk analysis skills. Preferred Qualifications Bachelor’s degree in Finance/Accounting or equivalent experience. Key Skills Analytical Thinking Financial Analysis Financial Forecasting and Modeling Profitability Analysis Research Analysis Attention to Detail Business Acumen Credit and Risk Assessment Underwriting Written Communications Collaboration Critical Thinking Portfolio Analysis Prioritization Technical Documentation Additional Information Shift: 1st shift (United States of America). Hours per week: 40. Location: 110 N Wacker Dr, Bank Of America Tower Chicago (IL 4110). Salary range: $80,000 – $135,000 annualized, plus discretionary incentive eligibility. Benefits: Eligible for benefits, including industry‑leading packages, paid time off, and other resources. Pay transparency information can be found at #J-18808-Ljbffr Bank of America