Credit Underwriter I-II and Senior

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 supporting credit underwriting and monitoring for new and existing clients in partnership with a credit team. Key responsibilities include independently managing transactions or portfolios varying degrees complexity, completing and reviewing collateral analysis, evaluating risks, and writing analysis. Job expectations include leading the process, ensuring timely and accurate analysis, and coaching teammates on collateral monitoring requirements. Responsibilities: Manages a portfolio of clients supporting underwriting and/or monitoring requirements of varying degrees complexity Independently works with Relationship Management, Credit and Risk teammates to understand structuring needs and requirements Delivers collateral, loan structure 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 procedure Has credit approval for certain credit actions Leads collateral monitoring, loan structure conversations and completion of loan documentation with internal/external legal partners 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 Required Qualifications: · 3+ years of solid experience in Commercial Banking (Middle Market or Large Corporate or Leveraged Finance) underwriting, performing financial analysis, structuring, and portfolio management · Strong communication and analytical/technical skills, including financial accounting, modeling and loan structuring. · Strong experience monitoring and analyzing changes in transactions and portfolios over time, including identifying trends or issues that may impact credit quality. · Strong experience reconciling financial statements and supporting documentation, investigating discrepancies or unusual activity and ensuring reporting complies with credit agreements. · Strong experiences communicating directly with borrowers to clarify data and resolve issues and requesting additional reporting or backup documentation as needed, Desired Qualifications: · Participate with RM or CO's to negotiate Credit Agreements & loan documents, as needed. · Be knowledgeable of the closing process & timeline for all types of loans (i.e. real estate, revolvers, etc.) · BA/BS Desired Shift: 1st shift (United States of America) Hours Per Week: 40 Pay Transparency details US - CA - Los Angeles - 333 S HOPE ST - BANK OF AMERICA PLAZA (CA9193), US - CA - San Francisco - 555 California St - Bofa Center - 555 California (CA5705) Pay and benefits information Pay range $88,000.00 - $187,500.00 annualized salary, offers to be determined based on experience, education and skill set. Discretionary incentive eligible 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. Privacy Statement: At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day. One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We’re devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being. Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization. Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us! Partnering Locally Learn about some of the ways Bank of America is making a difference in the communities we serve. Global Impact Learn about the six areas that guide Bank of America’s efforts to help make financial lives better for customers, clients, communities and our teammates. Opportunity and Inclusion Each employee brings unique skills, background and opinions. We see opportunity and inclusion as our platform for innovation and a key component in our success. Our Values Learn about our four values that represent what we believe. Pay Transparency: