Senior Credit Underwriter

Job Overview This job is responsible for performing risk assessment and repayment capacity analysis (financial, borrower, industry, etc.) and preparing transaction justification for moderately complex/complex transactions with limited oversight. It involves 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 writing Credit Approval Memorandums. The role delivers integrated credit solutions to large corporate clients and partners closely with client‑facing teammates in the Global Corporate Bank to consult on sales opportunities and prescreen new opportunities with senior management. 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 analysis to team members to support the loan decision‑making process Ensures adherence to credit policies, guidelines, procedures, and applicable regulatory requirements Evaluates new end‑user credit opportunities including identification and assessment of risks and identifies mitigating factors Partners with client‑facing teammates to consult on sales opportunities and provide the product expertise and consultation necessary to deliver the best possible solution to the client Underwrites new transactions, analyzes credit risk, negotiates and closes deals, while adhering to internal policy, procedures and regulatory requirements Structures the terms of a lease/loan with respect to the various aspects that make up a lease/loan (e.g. pricing, rates, payment, term, collateral) Manages the credit process for a portfolio of clients including reviewing financial statements, assessing the client's compliance with financial covenants, confirming the accuracy of risk ratings, and recommending changes as warranted Required Qualifications Minimum 5+ years Leasing, Equipment Finance or Commercial Credit Experience Proficient credit and risk analysis skills Proficient presentation, structuring and financial statement analysis skills Proficient Microsoft Office skills Proficient business writing skills Desired Qualifications BA/BS Degree in Finance or related major MBA/CFA preferred In‑depth Leasing/Equipment finance 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 Minimum Education Requirement High School Diploma / GED / Secondary School or equivalent Shift 1st shift (United States of America) Hours Per Week 40 Pay Transparency Details US - IL - Chicago - 110 N Wacker Dr - Bank Of America Tower Chicago (IL4110), US - MA - Boston - 100 Federal St - 100 Federal St Lp (MA5100), US - NY - New York - ONE BRYANT PARK - BANK OF AMERICA TOWER (NY1100), US - RI - Providence - 1 Financial Plz - 1 Financial Plaza (RI1537) Pay Range $87,000.00 - $200,000.00 annualized salary, offers to be determined based on experience, education and skill set. Discretionary Incentive This role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company. Benefits This role is currently benefits eligible. We provide industry‑leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve. #J-18808-Ljbffr