Commercial Credit Analyst I/II/III

Job Description This job is responsible for facilitating parts of credit underwriting and monitoring for new and existing clients. Key responsibilities include completing credit analysis, evaluating risks, and writing financial analysis using various tools and systems. Job expectations include analyzing financials, projections, industry data, covenant compliance, collateral, and policy requirements to ensure alignment with the bank’s risk appetite. Responsible for managing credit activities to support underwriting of commercial credit clients (e.g., financial spreading, risk rating scorecard, covenant tests). Key responsibilities include analyzing ongoing credit and escalating to the credit team as appropriate. This position is posted as a Commercial Credit analyst I and can be filled as a Commercial Credit Analyst I, II, or III under the manager's discretion. Responsibilities Analyzes financial statements and summarizes existing client’s performance via periodic risk profile reviews Partners with credit and client teams both within Centralized and Regional Credit Lines of Business Manages risk through accurate financial spreading, risk rating, and covenant test calculations Expands expertise by reviewing policy and procedure thoroughly and actively participating in continuing education sessions Collaborates with peers to manage optimal workflow Identifies and escalates process breakdowns Required Skills Credit and Risk Assessment Financial Analysis Understanding of Financial Accounting Principles Credit Documentation Requirements Critical Thinking Prioritization Attention to Detail Business Acumen Decision Making Written Communications Client Management Recording/Organizing Information Analytical Thinking Desired Skills Financial Forecasting and Modeling Collateral Management Underwriting Financial Ratio Analysis Minimum Education/Experience Requirement BA/BS Degree in Finance, Accounting, or Business Administration preferred or 1-3 years of relevant work experience. Shift 1st shift (United States of America) Hours Per Week 40 #J-18808-Ljbffr Bank of America