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About the Role

This role facilitates credit underwriting and monitoring for new and existing clients by completing credit analysis, evaluating risks, and writing financial analysis using various tools and systems. Job expectations include analyzing financials, projections, industry data, covenant compliance, collateral, and policy requirements to ensure alignment with the bank’s risk appetite. Responsible for managing credit activities to support underwriting of commercial credit clients.

Responsibilities

Analyzes financial statements and summarizes existing client's performance via periodic risk profile reviews
Partners with credit and client teams both within Centralized and Regional Credit Lines of Business
Manages risk through accurate financial spreading, risk rating, and covenant test calculations
Expands expertise by reviewing policy and procedure thoroughly and actively participating in continuing education sessions
Collaborates with peers to manage optimal workflow
Identifies and escalates process breakdowns

Requirements

Credit and Risk Assessment
Financial Analysis
Understanding of Financial Accounting Principles
Credit Documentation Requirements
Critical Thinking
Prioritization
Attention to Detail
Business Acumen
Decision Making
Written Communications
Client Management
Recording/Organizing Information
Analytical Thinking
Financial Forecasting and Modeling
Collateral Management
Underwriting
Financial Ratio Analysis

Location

Los Angeles, CA
San Francisco, CA
Buffalo, NY
Seattle, WA

Work Type

Onsite
Full-time

Experience Level

1-3 years of relevant work experience
Commercial Credit Analyst I, II, or III

Education Level

BA/BS Degree in Finance, Accounting, or Business Administration preferred

Salary/Compensations

$74,000.00 - $84,100.00 annualized salary

Benefits

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

About the Company

Bank of America is 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.
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.