Commercial Credit Underwriter I/II
Bank of America Corporation
Bakersfield
3d ago

Job Description :

The UW is responsible for underwriting and structuring of straightforward and complex credit transactions with minimal oversight from the CO / CCM.

The UW is able to underwrite complex credit transactions with minimal oversight from the CO and also approves credit transactions with some coaching from the CO / CCM based on approval grid.

The UW leads the credit approval process with assistance from the CCM as needed for clients without CO coverage and is an active participant with the CO in credit approval process for complex clients / transactions.

UWs may call on credit clients and prospects in partnership or independently with the RM and / or CO as appropriate. Provides ongoing management and primary accountability for all monitoring and maintenance activities on an assigned portfolio or market, including a higher composition of complex client relationships.

The UWs have primary accountability for all monitoring and maintenance activities on an assigned client base primarily larger / complex client relationships.

They monitor clients’ operating performance and financial condition to proactively identify issues and opportunities. They deliver financial, industry, economic and other analysis to facilitate decision making, while also ensuring adherence to credit policies, guidelines, and applicable regulatory requirements.

The UW's provide ongoing coaching and support to other Credit Products team members. They report to the Commercial Credit Manager (CCM) and partner closely with COs.

General qualifications include : a BS / BA degree, 5+ years of solid experience in financial analysis, structuring, underwriting and portfolio management, strong communication and analytical / technical skills, including financial accounting, modeling and loan structuring.

Role can be filled as a Commercials Credit underwriter I or II

Required Skills :

  • General qualifications include : a BS / BA degree, 5+ years of solid experience in financial analysis, structuring, underwriting and portfolio management, strong communication and analytical / technical skills, including financial accounting, modeling and loan structuring.
  • Desired Skills :

  • Experience with complex loan portfolio, including BAML-led syndicated transactions.
  • Ability to manage high-volume of new deal flow while maintaining existing loan portfolio.
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