Credit Underwriter II / Sr. Credit Underwriter - Banc of America Public Capital Corporation Government Finance

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 low-complexity transactions or portfolios, completing and reviewing credit analysis, evaluating risks, and writing financial analysis. Job expectations include leading the process, ensuring timely and accurate analysis, and coaching teammates on credit requirements. This position is responsible for the delivery of integrated credit solutions to US State and Local governmental entities, including public higher education. Partner closely with client-facing teammates to consult on sales opportunities and provide the product expertise and consultation necessary to deliver the best possible solution to the client. Key responsibilities include underwriting and negotiating new transactions, partnering with client-facing teammates to consult on sales opportunities, and providing the product expertise to deliver effective client solutions. Partner closely with client-facing teammates to provide the product expertise and consultation necessary to deliver the best possible solution to the client. Proactively partners with client teams to plan key credit relationship strategy focusing on balance of risk and reward. Directly accountable for managing credit quality and the approval process through interaction with Risk Management Officers. "Internal employees who are currently working from home are still eligible to apply. However, if selected for the role, you may be required to work onsite in accordance with the workplace excellence policy” Responsibilities: Leads the credit analysis process with the support of other analysts and associatesPartners with Credit Officers, Relationship Management, and Risk teammates to understand structuring needs and requirementsMonitors operating performance and financial condition, proactively identifying issues and opportunitiesAssists in delivery of financial modeling, loan structure, industry, economic, and other analyses to team members to support the loan decision-making processReviews work of junior teammates to provide feedback/coaching and ensure compliance with laws, rules, regulations and policy procedureMay have primary coverage responsibility for a portfolio of clients with limited complexity and credit approval for certain credit actionsParticipate in loan structuring conversations and completion of loan documentation with internal/external legal partnersBuilds projection models for the client (as needed) based on historical performance, industry forecasts, and other due diligence findingsPre-screen new transactions for existing and new clients to determine credit worthiness and appropriate credit product solutionsAnalyzing US State and Local governmental entities’ financial statementsResponsible for underwriting credit approval memoranda for mandated transactions, incorporating thorough credit analysis and due diligenceParticipates in ongoing documentation negotiations as required Required Qualifications: 5+ years of experience in commercial banking, finance or credit ratings industries with significant municipal/public finance credit experienceExperience in the analysis and structuring of complex transactionsStrong credit and risk analysis skillsStrong presentation, structuring and financial statement analysis skillsProven ability to analyze, interpret and negotiate third party documentationProven ability to identify trends and emerging risks in underwriting and client selectionProficient Microsoft Office skills Desired Qualifications: Municipal / Public Finance Lending or Leasing ExperienceUndergraduate degree in finance, accounting or related field is preferred Skills: Attention to DetailCredit and Risk AssessmentFinancial AnalysisUnderwritingWritten CommunicationsAnalytical ThinkingCredit Documentation RequirementsFinancial Forecasting and ModelingRecording/Organizing InformationBusiness AcumenCollaborationCollateral ManagementLoan StructuringPrioritization Shift: 1st shift (United States of America) Hours Per Week: 40