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About the Role

As an Underwriter on the Global Commercial Banking credit team, you will be responsible for underwriting loans and related credit exposure for a portfolio of middle market companies across a broad range of industries with annual revenues ranging from $50 million to $2 billion in the San Francisco / Greater Bay Area market. Working in close partnership with Relationship Management, Debt Capital Markets, Investment Banking and other product teams, you will analyze lending opportunities and perform ongoing portfolio monitoring. You will report to a Senior Credit Manager and work day-to-day with a team of Credit Officers, fellow Underwriters and Credit Analysts.

Responsibilities

Partner with credit teammates, relationship management and product teams to develop strategic debt financing solutions
Employ credit and accounting knowledge to structure bilateral and syndicated loans aligned with client needs and bank risk parameters
Analyze ancillary credit exposure for treasury, rates and foreign exchange products
Perform due diligence and dynamic risk assessments of borrowers, industries and transactions
Create credit approval packages and own the credit approval process from initiation through final decision
Construct detailed financial cash flow and repayment models, including sensitivity analyses
Complete enterprise value (discounted cash flow), pricing, returns and risk rating models
Ensure adherence to regulatory and internal policies and procedures
Exercise approval authority for certain credit actions
Present well supported opportunities to credit and risk leadership
Partner with internal and external legal partners to complete loan documentation
Oversee quarterly monitoring exercises and requirements

Requirements

BA/BS degree required
3 to 10 years of Commercial Banking (Middle Market, Large Corporate or Leveraged Finance) underwriting experience
Proficiency in accounting principles, financial statement analysis and financial modeling
Solid foundation in credit analysis, including evaluation of business risk, industry trends and capital structures
Understanding of credit documentation, including term sheets, credit agreements and ancillary agreements (e.g. security, guarantee and intercreditor agreements)
Strong written and verbal communication skills
Unwavering attention to detail and accuracy
Ability to work in a fast paced, deadline driven environment
Ability to juggle and prioritize multiple transactions and responsibilities at a time
Experience with the syndicated loan execution process
Knowledge of derivative products and documentation (i.e. ISDA agreements)
Capability to conduct negotiations with clients

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

Location

San Francisco / Greater Bay Area

Work Type

Onsite
Full-time

Experience Level

3 to 10 years

Education Level

BA/BS degree

Salary/Compensations

$88,000.00 - $187,500.00

Benefits

Discretionary incentive eligible
Eligible for annual discretionary award based on performance
Benefits eligible
Industry-leading benefits
Access to paid time off
Resources and support

About the Company

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection.
We drive Responsible Growth and deliver 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.
We value the unique perspectives individuals bring from all backgrounds and career paths.
Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development.
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact.