Commercial Credit Underwriter II-Global Vendor Finance

Job Description: This role is responsible for supporting credit underwriting and monitoring for new and existing clients in partnership with a credit team. The analyst independently manages low‑complexity transactions or portfolios, completes and reviews credit analyses, evaluates risk, and writes financial analyses. Key expectations include leading the process, ensuring timely and accurate analysis, coaching teammates on credit requirements, and writing credit approval memos for annual renewals and new lending opportunities. Responsibilities: Leads the credit analysis process with the support of other analysts and associates Partners with Credit Officers, Relationship Management, and Risk teammates to understand structuring needs and requirements Monitors operating performance and financial condition, proactively identifying issues and opportunities Assists in delivery of financial modeling, loan structure, industry, economic, and other analyses to team members to support the loan decision‑making process Reviews work of junior teammates to provide feedback/coaching and ensure compliance with laws, rules, regulations and policy procedures May have primary coverage responsibility for a portfolio of clients with limited complexity and credit approval for certain credit actions Participates in loan structure conversations and completion of loan documentation with internal/external legal partners Analyzes client’s financial performance by comparing it to past performance, projections, and industry standards Reviews financial statements, assesses the client’s compliance with financial covenants, and renews risk ratings, while recommending changes as warranted Assists in underwriting, credit risk analysis, negotiation, and closing of new or existing transactions, while adhering to all relevant policies and procedures Evaluates transaction and relationship risk‑adjusted profitability to facilitate the allocation of capital Builds projection models for the client (as needed) based on historical performance, industry forecasts, and other due diligence findings Trains, coaches, and mentors Credit Analysts Partners with client‑facing teammates to consult on sales opportunities and provide product expertise and consultation necessary to deliver the best possible solution to the client 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: 3+ years of commercial credit underwriting and credit analysis experience Effective presentation, structuring and financial statement analysis skills Proficient in Microsoft Office Proficient business writing skills Desired Qualifications: Bachelor’s degree in Finance/Accounting or equivalent experience preferred 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 Shift: 1st shift (United States of America) Hours per Week: 40 Pay: US – IL – Chicago – 110 N Wacker Dr – Bank of America Tower Chicago (IL4110) Pay range: $87,000.00 – $149,000.00 annualized salary. Discretionary incentive eligible. 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 Bank of America