Credit Analyst II - Asset Based Finance - Product Delivery Portfolio - Support

Credit Analyst II - Asset Based Finance - Product Delivery Portfolio - Support

Charlotte, North Carolina;Dallas, Texas; Atlanta, Georgia

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:

This job is responsible for analyzing and interpreting a client's credit worthiness, evaluating credit risks, and writing credit approval memos for annual renewals and new lending opportunities. Key responsibilities include analyzing qualitative and quantitative data such as client's financials, projections, industry data, covenant compliance, and collateral appraisals to ensure compliance with the bank's risk appetite. Job expectations include completing regular monitoring and underwriting tasks and supporting key internal stakeholders to achieve successful execution of new transactions.

The Credit Analyst II role is responsible for working with a credit team to support the credit underwriting and/or monitoring process for new and existing clients. Responsibilities include completing credit analysis to assess a client’s creditworthiness, evaluating credit risk, completing analysis in various systems, and writing financial analysis for approval and/or monitoring documents.

At this level, the analyst independently analyzes both qualitative and quantitative data, including client financials, projections, industry data, covenant compliance, collateral documentation, and adherence to policy and procedural requirements.

Responsibilities:

• Analyzes client financial information, identification/mitigation of potential risks, compliance with regulatory requirements and evaluation of collateral in determination of credit worthiness

• Completes monitoring activities via analysis of clients’ financial performance and collateral evaluation to ensure appropriate requirements are met

• Listens in to client meetings to develop a deeper understanding of the client's business, management team, and past and future performance

• Reviews completed client requests to ensure compliance with policy and procedures

• Understands how credit data is used internally and provided to regulatory partners

• Assists with periodic portfolio reviews

• Participates in loan structure conversations and completion of loan documentation

• Evaluates transaction and relationship risk-adjusted profitability to facilitate the allocation of capital

• Build projection models for the client (as needed) based on historical performance, industry forecasts, and other due diligence findings

• Analyze client financial information to assess creditworthiness, identify and mitigate risks, evaluate collateral, and ensure compliance with regulatory requirements and internal credit policies

• Perform ongoing monitoring activities, including analysis of client financial performance and collateral positions, to proactively identify risks and trends

• Support loan structuring and execution by participating in discussions and assisting with the preparation and completion of loan documentation

• Review client requests and credit submissions to ensure accuracy, completeness, and adherence to credit policies and procedures

• Participate in client meetings and portfolio reviews to deepen understanding of the client’s business, management team, and performance, while supporting internal and regulatory use of credit data

Required Qualifications:

• Minimum of 1 year of experience in credit analysis, underwriting support, or financial analysis

• Basic understanding of financial statements, cash flow analysis, and credit risk concepts

• Ability to complete routine credit analysis and monitoring tasks with accuracy and timeliness

• Experience preparing or contributing to written financial or credit analysis documentation

• Proficiency in Microsoft Excel and ability to work with financial data and reports

• Strong attention to detail and analytical skills

• Effective written communication skills

• Ability to manage multiple assignments and work effectively in a team environment

Desired Qualifications:

• Bachelor’s degree in finance, Accounting, Economics, Business, or related field

• Working knowledge of financial statements and cash flow analysis and credit risk fundamentals

• Ability to complete routine credit and monitoring analyses independently with guidance on complex items

• Experience preparing written credit analysis for approval and/or monitoring

• Familiarity with commercial lending concepts, credit policy, and loan documentation

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

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.