Credit Underwriter I-II or 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: 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 Houston Tx., Dallas Tx. and Clayton Missouri markets. 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 solutionsEmploy credit and accounting knowledge to structure bilateral and syndicated loans aligned with client needs and bank risk parametersAnalyze ancillary credit exposure for treasury, rates and foreign exchange productsPerform due diligence and dynamic risk assessments of borrowers, industries and transactionsCreate credit approval packages and own the credit approval process from initiation through final decisionConstruct detailed financial cash flow and repayment models, including sensitivity analysesComplete enterprise value (discounted cash flow), pricing, returns and risk rating modelsEnsure adherence to regulatory and internal policies and proceduresExercise approval authority for certain credit actionsPresent well supported opportunities to credit and risk leadershipPartner with internal and external legal partners to complete loan documentationOversee quarterly monitoring exercises and requirements Skills: Attention to DetailCredit and Risk AssessmentFinancial AnalysisUnderwritingWritten CommunicationsAnalytical ThinkingCredit Documentation RequirementsFinancial Forecasting and ModelingRecording/Organizing InformationBusiness AcumenCollaborationCollateral ManagementLoan StructuringPrioritization Required Qualifications: BA/BS degree required3 to 10 years of Commercial Banking (Middle Market, Large Corporate or Leveraged Finance) underwriting experienceProficiency in accounting principles, financial statement analysis and financial modelingSolid foundation in credit analysis, including evaluation of business risk, industry trends and capital structuresUnderstanding of credit documentation, including term sheets, credit agreements and ancillary agreements (e.g. security, guarantee and intercreditor agreements)Strong written and verbal communication skillsUnwavering attention to detail and accuracyAbility to work in a fast paced, deadline driven environmentAbility to juggle and prioritize multiple transactions and responsibilities at a time Desired Qualifications: Experience with the syndicated loan execution processKnowledge of derivative products and documentation (i.e. ISDA agreements)Capability to conduct negotiations with clients Shift: 1st shift (United States of America) Hours Per Week: 40