Enterprise Credit Treasury Lending Underwriter I-II or Senior
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. Our inclusive workplace supports every teammate’s success, career growth, and contributions to shared success. We value diverse perspectives from military service, community college education, and varied work and life experiences, fostering resilience, leadership, and innovation.
Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development with clear in-office expectations and role-specific flexibility.
About the Role
Responsible for Middle Market, Business Banking, HENFP, CREB, HSTR, DFS, and GWIM underwriting, structuring, and approving credit actions for new Treasury Management and Card credit requests, renewals, and reviews. Exercises single signature approval authority for Intraday and Card credit exposure per applicable approval grids. Credit decisions must meet underwriting quality and risk management standards and comply with bank policies and procedures. Provides leadership and concurrence approval on policy and underwriting exception variances. May participate in projects and initiatives to achieve strategic objectives.
Responsibilities
- Analyze, underwrite, and approve credit solutions for existing and new Treasury and card clients; approve Treasury and Card credit requests in accordance with applicable credit approval grid.
- Conduct credit analysis including financial spreads, risk rating scorecards, industry assessment, and cash flow; complete Credit Approval documentation.
- Evaluate credit worthiness and provide analysis and decisioning on whether a client should be approved for a Treasury or Card credit facility.
- Ensure underwriting complies with Bank credit policy and procedures.
- Partner with Relationship Managers, Treasury Sales Officers, and Risk teammates to assess and deliver Treasury and Card credit solutions.
- Ensure data quality of credit-related client and deal information.
- Mentor and assist junior team members as applicable.
Skills
- Attention to Detail
- Credit and Risk Assessment
- Financial Analysis
- Underwriting
- Written Communications
- Analytical Thinking
- Credit Documentation
- Financial Forecasting and Modeling
- Recording/Organizing Information
- Business Acumen
- Collaboration
- Collateral Management
- Loan Structuring
- Prioritization
Requirements
- Minimum of 5-7 years of commercial (Business Banking, Middle Market, Health Education Not For Profit, Commercial Real Estate Banking, Dealer Financial Services, Global Wealth Investment Management) underwriting and credit analysis.
- 3+ years of commercial credit decisioning experience with approval signature authority.
- Formal commercial credit training or equivalent work experience.
- Prior experience in a high-volume production environment.
- Superior teamwork skills in the commercial market space.
- Bachelor’s degree or equivalent work experience, preferably in business administration, finance, accounting, or economics.
Qualifications
- Line management and administrative experience desired.
- Knowledge of Treasury Cash Management products and Commercial Card.
- Prior Sales and/or customer service experience preferred.
Schedule
1st shift, 40 hours per week (United States of America).