Credit Underwriter II - Portfolio Management/Commercial Real Estate Banking

Credit Underwriter II – Commercial Real Estate As a Credit Underwriter II, you will manage and monitor an assigned portfolio of larger and complex commercial real estate loans. Your role includes analyzing financial and market data, making underwriting recommendations, and ensuring compliance with credit policies and regulatory requirements. Responsibilities Lead the credit analysis process with support from analysts and associates. Partner with Credit Officers, Relationship Management, and Risk teammates to understand structuring needs. Monitor operating performance and financial condition, proactively identifying issues and opportunities. Assist in delivery of financial modeling, loan structure, industry, economic, and other analyses to support loan decision-making. Review work of junior teammates to provide feedback and ensure compliance with laws, rules, regulations and policy procedures. Provide underwriting analysis and approval recommendations for borrower requests related to the assigned client base/facilities. Participate in loan structure conversations and completion of loan documentation with internal/external legal partners. Execute post-close credit activities, including documenting conditions, administering approved extensions, and coordinating related legal documentation. Perform comprehensive portfolio monitoring and maintenance activities such as covenant compliance, construction and collateral reviews, financial and guarantor analysis, and ongoing risk assessment. Contribute to process improvement and simplification initiatives to enhance portfolio oversight, credit execution, and operational efficiency. Required Qualifications 5+ years of commercial credit financial analysis and portfolio management experience. 5+ years of financial accounting, financial modeling, or loan structuring experience. University-level education in finance, accounting, economics or a related field. Experience with large money-center bank credit and CRE portfolio management. Preferred Qualifications Certificate from an accredited real estate educational program. Skills Attention to detail Credit and risk assessment Financial analysis Underwriting Written communication Analytical thinking Credit documentation requirements Financial forecasting and modeling Recording and organizing information Business acumen Collaboration Collateral management Loan structuring Prioritization Portfolio management Work Schedule Shift: 1st shift (United States of America) – Hours per week: 40 Compensation & Benefits Annual salary range: $95,000 – $144,000 (based on experience, education and skill set) with discretionary incentive eligibility. Benefits: Industry-leading benefits, paid time off and support for physical, emotional and financial well-being. Location: Newport Beach, CA (520 Newport Center Dr). Bank of America is an Equal Opportunity Employer. Privacy Notice: Pay Transparency: #J-18808-Ljbffr