Senior Credit Underwriter-Global Wealth and Investment Management

We need to output HTML fragment with sections: About the role? The description includes a paragraph about Bank of America mission etc. That could be "About the role" or maybe "About the company". The instruction: use

for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). We need to include sections only when posting has real specific content. We have: - Intro paragraph about Bank of America purpose, culture, etc. Could be "About the role" or maybe "About the company". We'll use "About the role". - Responsibilities: list of bullet points. - Required Qualifications: list. - Desired Qualifications: list. - Skills: list. - Minimum Education Requirement: line. - Shift: 1st shift (United States of America) - Hours Per Week: 40 We need to decide which sections to include. The instruction: include a section ONLY when posting has real, specific content for it — never emit a heading followed by filler/placeholder text. So we can include sections for About the role, Responsibilities, Required Qualifications, Desired Qualifications, Skills, Minimum Education Requirement, Shift, Hours Per Week? However "Shift" and "Hours Per Week" could be under a "Schedule" section. The instruction says use

for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). So we could combine Shift and Hours under Schedule. Also Minimum Education Requirement could be under Qualifications or Requirements. But we have separate Required Qualifications and Desired Qualifications. Could combine into Requirements? The instruction list includes Requirements, Qualifications. Might be ambiguous. We'll follow typical: Responsibilities, Requirements (which includes Required Qualifications), Qualifications (maybe Desired?), Skills, Schedule (Shift/Hours), About the role. We must not repeat job title as heading. No Job ID. We must remove boilerplate: internal employees note etc. That's a sentence about internal employees working from home eligible etc. That's not boilerplate? It's a note about workplace policy. Might be considered relevant? It's about eligibility and onsite requirement. Could be included in About the role or maybe as a note. But we can keep it as part of About the role? It's not a responsibility. Might be considered a note about work location. Could be placed under Schedule? But it's about onsite requirement. Could be included in About the role as a note. However the instruction says remove duplicated lines, cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate. This line is not exactly boilerplate but it's a policy note. I'd keep it as a short paragraph under About the role. We need to preserve ALL substantive information; do not invent or summarize away detail. Thus we need to capture all bullet points exactly. Let's extract content: Intro paragraph: "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 is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates’ physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!" Then "Job Description: This job is responsible for credit underwriting new and existing clients in partnership with a private bank credit team. Key responsibilities include independently managing transactions or portfolios of moderate to high complexity, 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. The Global Wealth Investment Management-Sr Credit Underwriter is aligned with the Private Client Advisor (PCA) in their goal of developing new custom lending relationships with strategic wealth clients, driving funded loan balance and revenue growth in a responsible and profitable manner, and managing a portfolio of existing lending relationships. The Sr Credit Underwriter performs and documents in-depth financial analysis for credit approval of ultra-high-net-worth clients (individuals, family offices, trusts, special wealth vehicles, etc.) in compliance with policy, procedures, and GWIM underwriting standards and guidelines." Then note: “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” Then Responsibilities: list bullet points (starting with "Manages a portfolio of clients underwriting moderate to high complexity" etc.) Let's list them: - Manages a portfolio of clients underwriting moderate to high complexity - Independently works with Relationship Management, and Risk teammates to understand structuring needs and requirements - Delivers financial modeling, loan structure, industry, economic, and other analyses to team members to support the loan decision-making process - Reviews work of junior teammates to provide feedback/coaching and ensure compliance with laws, rules, regulations and policy procedure - Has credit approval for certain credit actions - Leads loan structure conversations and completion of loan documentation with internal/external legal partners - Completes Credit Approval Memos (CAM) and Modifications to obtain credit approval for complex, custom loan products (marketable securities, commercial real estate, fine art, hedge fund, yacht, unsecured and subscription finance) - Serve as main point of contact for regional portfolio of credit relationships - Synthesize appropriate financial information to understand the client’s financial standing, including liquidity, leverage, cash flow, key risks/mitigants and legal structure (trusts, special wealth vehicles, etc.) and apply sound reasoning to arrive at an appropriate credit decision - Review and negotiate loan structure and covenants during documentation process, according to creditworthiness, collateral, and risk appetite Then Required Qualifications: - 8+ years of private wealth management credit of commercial credit experience - Strong financial analysis, accounting skills, and deal structuring for borrowers with complex balance sheets and income streams - Proficiency in Word, Excel and PowerPoint Desired Qualifications: - Bachelor’s degree in business administration, finance, accounting or economics preferred - Formal Credit Training and/or Commercial/Wealth Management credit experience preferred Skills: list: - Attention to Detail - Credit and Risk Assessment - Financial Analysis - Underwriting - Written Communications - Analytical Thinking - Credit Documentation Requirements - Financial Forecasting and Modeling - Recording/Organizing Information - Business Acumen - Collaboration - Collateral Management - Loan Structuring - Prioritization Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent Shift: 1st shift (United States of America) Hours Per Week: 40 Now we need to output HTML fragment with

headings and appropriate

or

• . We need to decide sections: - About the role: include intro paragraph + the job description paragraph + the internal employees note? Could be separate paragraph. Better: About the role: includes the mission statement and job description summary. We'll put the intro paragraph as

  . Then the job description paragraph as another

  . Then the internal employees note as another

  . - Responsibilities:

  • for each bullet. - Required Qualifications:
    • - Desired Qualifications:
      • - Skills:
        • - Minimum Education Requirement: could be a

          under a heading "Requirements"? But we already have Required Qualifications. Maybe we create a section "Requirements" that includes Minimum Education Requirement? But we have both Required and Desired qualifications. The instruction list includes Requirements and Qualifications as separate possible headings. Could treat Required Qualifications as "Requirements" and Desired Qualifications as "Qualifications". Then Minimum Education Requirement could be part of Requirements? But it's a separate line. Could add as a

          under Requirements. Alternatively, we could have a section "Requirements" that includes Required Qualifications + Minimum Education Requirement. And a section "Qualifications" that includes Desired Qualifications. But the instruction says use headings e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. So we can use Requirements and Qualifications. Thus: -

          About the role

          with paragraphs. -

          Responsibilities

          with
          . -

          Requirements

          with
          for Required Qualifications plus maybe a

          for Minimum Education Requirement? But Minimum Education Requirement is not a qualification per se but a requirement. Could include as a

          • under Requirements. -

            Qualifications

            with
            for Desired Qualifications. -

            Skills

            with
            . -

            Schedule

            with

            for Shift and Hours Per Week maybe combined. We must not create sections with filler. All have content. Now ensure we preserve all substantive information. Let's verify we didn't miss any. From intro: we have the mission paragraph. We'll include that as is. Job description paragraph: we included. Internal employees note: include. Responsibilities: list all bullets exactly as given. Required Qualifications: list three bullets. Desired Qualifications: list two bullets. Skills: list all bullets. Minimum Education Requirement: include as a

            • under Requirements. Shift: "1st shift (United States of America)" as a

              under Schedule. Hours Per Week: "40" as a

              under Schedule (maybe combine: "Shift: 1st shift (United States of America); Hours Per Week: 40"). We'll output as:

              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 do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates’ physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!

              This job is responsible for credit underwriting new and existing clients in partnership with a private bank credit team. Key responsibilities include independently managing transactions or portfolios of moderate to high complexity, 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. The Global Wealth Investment Management-Sr Credit Underwriter is aligned with the Private Client Advisor (PCA) in their goal of developing new custom lending relationships with strategic wealth clients, driving funded loan balance and revenue growth in a responsible and profitable manner, and managing a portfolio of existing lending relationships. The Sr Credit Underwriter performs and documents in-depth financial analysis for credit approval of ultra-high-net-worth clients (individuals, family offices, trusts, special wealth vehicles, etc.) in compliance with policy, procedures, and GWIM underwriting standards and guidelines.

              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

              • Manages a portfolio of clients