Sr. Credit Underwriter - Custom Mortgage - Global Wealth & Investment Management

Sr. Credit Underwriter - Custom Mortgage - Global Wealth & Investment Management

Charlotte, North Carolina;Phoenix, Arizona; Tampa, Florida; Houston, Texas; Saint Louis, Missouri

To proceed with your application, you must be at least 18 years of age.

Acknowledge (

Bank of America employees are required to meet all posting eligibility requirements prior to applying for any new position.

Acknowledge (

Refer a friend

To proceed with your application, you must be at least 18 years of age.

Acknowledge (

Bank of America employees are required to meet all posting eligibility requirements prior to applying for any new position.

Acknowledge (

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:

Extends credit to and monitors loan portfolios of custom mortgage ultra high net worth clients. Works closely with private banking relationship managers in providing custom mortgage solutions to meet the client’s requirements or in reviewing credit standards. Possesses some loan approval authority. Three to five plus years of credit experience. Performs all underwriting tasks for custom mortgage loan requests to ultra high net worth clients of Global Wealth and Investment Management (GWIM), which includes Private Wealth Management and Merrill. This position may be responsible for the provision of residential mortgage loans, and as such, is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential mortgage loan originations must register with the federal registry system and remain in good standing. Since this position requires SAFE Act registration, employees are required to register and to submit to the required SAFE Act background check. Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination.

Collaborates with client teams and credit partners to analyze personal financial statements such as balance sheets, income statements, tax returns, and liquidity statements. Prepares customized credit approval packages, approval memos, and other standard documents, and manages the documentation process to ensure timely loan booking. The ideal candidate can analyze risks, identify mitigants, recommend risk ratings, exposure strategies, credit structures, and sponsor recommendations throughout the approval process. This role interfaces with client teams, risk management, residential real estate credit specialists, fulfillment, servicing, and legal partners to support the timely delivery of credit solutions.

Responsibilities:

• Financial Analysis Analyze and spread complex personal financial information using advanced Excel workbooks.

• Risk Assessment Identify potential risks and mitigants; escalate issues to the appropriate approver for resolution.

• Deal Management Manage multiple transactions simultaneously throughout the loan lifecycle, from application to booking.

• Cross-Functional Communication Regularly communicate and collaborate with partners across multiple lines of business to ensure alignment and timely execution.

Required Qualifications

• 3+ years of commercial or ultra-high-net-worth/complex client credit experience.

• Strong familiarity with personal tax returns and financial statements.

• Ability to analyze complex cash flows involving multiple income streams.

Desired Qualifications

• Bachelor’s degree in Business Administration, Finance, Accounting, or Economics.

• Formal credit training at a major U.S. financial institution.

• Custom or Commercial underwriting experience

Skills:

• Analytical Thinking

• Financial Analysis

• Financial Forecasting and Modeling

• Profitability Analysis

• Attention to Detail

• Business Acumen

• Credit and Risk Assessment

• Underwriting

• Written Communications

• Collaboration

• Critical Thinking

• Portfolio Analysis

• Prioritization

• Technical Documentation

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.

View your "Know your Rights ( " poster.

View the LA County Fair Chance Ordinance ( .

Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy (“Policy”) establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment.

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.

This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

Investment products offered through MLPF&S and insurance and annuity products offered through MLLA:

Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value

Are Not Deposits Are Not Insured by Any Federal Government Agency Are not a condition to Any Banking Service or Activity

Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation (“BofA Corp.”). MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC and a wholly owned subsidiary of BofA Corp. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation.

Trust, fiduciary and investment management services are provided by Bank of America, N.A., Member FDIC and wholly owned subsidiary of Bank of America Corporation (“BofA Corp.”).

Bank of America Private Bank is a division of Bank of America, N.A.

Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.

© 2026 Bank of America Corporation. All rights reserved.