Enterprise Credit Treasury Lending Underwriter I-II or Senior

About the role

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. This role involves underwriting, structuring, and approving credit actions for new Treasury Management and Card credit requests, renewals, and reviews across Middle Market, Business Banking, HENFP, CREB, HSTR, DFS, and GWIM. You will exercise single signature approval authority for Intraday and Card credit exposure per applicable approval grids while ensuring compliance with bank policies and risk management standards.

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 grids.
• Conduct credit analysis including financial spreads, risk rating scorecards, industry assessment, and cash flow; complete Credit Approval documentation.
• Evaluate creditworthiness 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.
• Provide leadership and periodic concurrence approval on policy and underwriting exception variances in addition to dollar amount concurrences.
• Mentor and assist junior team members as applicable.
• Participate in projects and initiatives to achieve strategic objectives of the organization.

Requirements

• Minimum of 5-7 years of commercial underwriting and credit analysis experience in Business Banking, Middle Market, Health Education Not For Profit, Commercial Real Estate Banking, Dealer Financial Services, or Global Wealth Investment Management.
• 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.

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

Desired Qualifications

• Line management and administrative experience.
• Knowledge of Treasury Cash Management products and Commercial Card.
• Prior Sales and/or customer service experience.

Schedule

1st shift (United States of America), 40 hours per week.