Credit Analyst jobs in United States, California, Los Angeles

Job Description:

Job Description:

The Credit Officer II role is a highly skilled resource, providing expert level advisory guidance in the most complex, integrated debt capital solutions for commercial banking clients. Products include lines of credit, term loans, real estate loans, and syndicated loans. The CO manages all of the ancillary credit exposure to clients. The CO maintains knowledge of other BofA products including Investment Banking and Treasury Management that have credit exposure, and leverages product expertise to deliver the best possible and optimally integrated strategic solution for the client or prospect. This role reports to the Commercial Credit Manager or Executive and will be aligned to an Underwriting Team that supports the market.

Responsibilities:

• Collaborates with Client Management teams to perform analysis of credit opportunities and prospects at the bank

• Manages client and prospect originations including initial credit structuring, underwriting, legal documentation review, and deal closing

• Delivers on data accuracy and quality of underwriting metrics in compliance with internal policies and procedures

• Monitors assigned portfolios of client loan maturities and collaborates with Analysts to continuously recognize and address risks in a timely manner

• Escalates and debates deteriorating assets in partnership with the Special Assets Group and Risk as appropriate

• Participates in Regional and Market meetings to communicate credit delivery best practices and results

Skills:

• Collaboration

• Decision Making

• Loan Structuring

• Underwriting

• Written Communications

• Analytical Thinking

• Attention to Detail

• Credit Documentation Requirements

• Interpret Relevant Laws, Rules, and Regulations

• Mentoring

• Issue Management

• Negotiation

• Oral Communications

• Prioritization

• Risk Management

Required Qualifications:

• 10+ years of solid Commercial Banking experience

• Experience in financial analysis, structuring, underwriting and portfolio management

• Analytical/technical skills, including financial accounting, modeling and loan structuring

• Strong communication skills; ability to communicate vertically, horizontally, and externally

• Industry knowledge across multiple sectors

BA/BS Degree Desired

Job Description:

Job Description:
This job is responsible for originating loans for clients with residential mortgage needs and is the primary lending specialist working full time within the financial center. Key responsibilities include delivering First Mortgage and HELOC lending products in person or by telephone and providing products such as Auto Loans, Credit Cards and Core Banking products. Job expectations include effectively balancing sales performance, operational risk, and client relationship care.
This position is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential loan mortgage originations must register with the federal registry system and remain in good standing. Since this position requires SAFE Act registration, employees are required to register and to submit to the required SAFE Act background check and registration process. Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination.

• Provides specialized and personalized service offering advice and guidance to financial center clients through the full spectrum of borrowing and banking offerings at each stage of client's life plan
• Builds and deepens relationships with new and existing clients by leveraging the full capabilities of the bank
• Analyzes the client's financial needs and applies knowledge of borrowing and banking to recommend financial services that best align with the client's unique priorities
• Presents potential home lending product solutions, submits the mortgage application, assists clients with gathering supporting loan documentation, and keeps clients informed throughout the mortgage loan process through outbound calls, email, and online messaging
• Connects with clients through outreach and pipeline management activities and conducts consistent follow-up routines to meet client needs
• Responds to client requests and makes referrals to appropriate internal partners based on client needs
• Partners with financial center leaders, performance managers, and market leaders to provide specialized guidance and coaching to financial center associates regarding delivery of an exceptional client experience

Required Qualifications:

• Minimum of 2 years of mortgage origination experience. In lieu of this requirement, has previously held the role of:
  • Home Service Specialist II, Lending Client Associate, Lending Client Support Manager, Lending Specialist, Senior Banker, Business Solutions Advisor or Financial Solutions Advisor at Bank of America for 1 year
• Knowledge of credit and home lending requirements
• Actively listens to the client to determine their needs and goals and has a desire to interact with clients proactively.
• Communicates professionally, effectively, and confidently and is comfortable engaging all clients in person and over the phone.
• Is a critical thinker and can analyze financial and credit data to advise clients of product/pricing policies and guidelines and gather any additional required information.
• Has effective customer service skills with ability to manage the full client end-to-end experience and problem resolution.
• Strong written and verbal communications skills.
• Ability to handle ambiguity and adapt to changing circumstances.
• Dedicated, enthusiastic, driven and performance-oriented; possesses a strong work ethic.
• Can be flexible to work weekends and/or extended hours as needed.
• A true team player and collaborator, translating knowledge and experience into strong and productive relationships internally and externally.
• Ability to learn and understand technology.
• Demonstrates a commitment to professional ethics and is thorough and thoughtful in incorporating relevant regulatory due diligence as well as complying with all Federal and State compliance policies.

Desired Qualifications:

• Experience working in a financial center where goals were met or exceeded.
• Knowledge in analyzing and comprehending complex financial data and providing financial alternatives.
• Knowledge of banking products and services.
• Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously.
• Experience in a loan origination role in a retail environment and knowledge of
• Mortgage Products (Conventional, Jumbo and HELOC, Government)
• Structuring, Processing, underwriting and closing procedures
• Federal regulations governing real estate lending
• FHA and HUD guidelines
• Other Lending Products (Credit Card, Vehicle Loans)
• Strong computer skills including MS applications and previous experience utilizing laptop technology.

Skills:

• Client Management
• Client Solutions Advisory
• Customer and Client Focus
• Referral Identification
• Risk Management
• Client Experience Branding
• Credit Documentation Requirements
• Credit and Risk Assessment
• Pipeline Management
• Referral Management
• Attention to Detail
• Collaboration
• Issue Management
• Prospecting
• Relationship Building

The following laws or regulations restrict or prohibit the hiring of individuals with certain specified criminal history for the position Credit Solutions Advisor II: FDIC, Safe Act/Loan Originators

High School Diploma / GED / Secondary School or equivalent

• Bachelor's degree or equivalent practical experience.
  
• 7 years of experience in compliance, risk management, investigation, auditing, legal, or consulting.
• Experience in Stakeholder Management, Process Improvement, and Program Management.

• Experience organizing data and applying business context to improve processes or operations.
  
• Experience with technical systems such as APIs, databases, and cloud environments, coupled with a grasp of fundamental privacy principles (e.g., data minimization) and relevant certifications like a J.D. or CIPP/US.

Job Posting

As a Program Banker Analyst in the U.S. Private Bank, you will work on an integrated team with our bankers, global investment specialists, capital advisors, and trust and estate experts to bring in new clients and to serve existing clients. As a top performing Analyst, you will have the opportunity to continue onto the next phase at the firm as an Associate at the end of the program. Promotional opportunities within J.P. Morgan are based on our business needs and the Analyst’s performance. The two-year Analyst Program provides exposure to our multiple business areas within the Private Bank including but not limited to credit and lending, multi-asset class investments, wealth advisory and estate planning.

Job Responsibilities

• Help devise customized financial strategies for existing and prospective clients
• Prepare pitch books and meeting materials
• Collaborate with integrated team members to analyze balance sheets and understand a clients’ investment objectives to produce customized recommendations that consider appropriate risk/return objectives
• Become an expert in a range of proprietary models to provide recommendations on tailored solutions
• Conduct research and analysis; assist with product development and prospecting efforts
• Research client inquiries and manage follow up communication and materials

• Work directly with clients as you continue to progress in your role

Required Qualifications, Capabilities, and Skills

• Bachelor’s degree with a minimum overall GPA of 3.2
• No more than two years of work experience following completion of undergraduate program
• Demonstrated aptitude for sales and client relationship management
  

Preferred Qualifications, Capabilities, and Skills

• Superior multi-tasking and organizational skills
• Excellent communication skills and poise giving presentations
• Genuine interest in financial markets and macro-level economic trends
• Ability to leverage both quantitative and qualitative resources to understand complex financial situations and present solutions

Investment Banking Overview

Provides a full range of investment banking and advisory services to clients in the following industries:

• Consumer & Retail
• Energy & Power
• Financial Institutions Group
• Financial Sponsors
• Healthcare
• Industrials
• Real Estate, Gaming, Lodging and Leisure (REGAL)
• Mid-Cap Investment Banking
• Technology, Media & Telecommunications

WHAT THE PROGRAM OFFERS

Analysts, depending on the Division and Group they are assigned to, assume significant responsibility that may include:

• Developing and maintaining models to depict projected financial results and to value companies
• Working closely with senior bankers on presentations, financial and credit analysis, and the preparation of financial projections and models
• Supporting various financial analyses, including valuations and merger consequences
• Performing comprehensive and in-depth company and industry research
• Preparing presentations and other materials for clients
• Conducting research, participating in strategic planning and assisting in the execution of advisory services
• Conducting financial analysis, preparing credit packages, and monitoring existing deals; creating pitches, proposals, and marketing materials
• Participating in client meetings, due diligence visits, and other client interactions to gain exposure to key executives and senior bankers

In this role, you will:

• Participate in analyzing companies, develop strategies for clients, pulling market and industry research, and completing a trading simulation within Investment Banking Mid-Year Program
• Review strategies for clients, build detailed financial models, analyze market data, and prepare client presentations related to low-to-medium risk tasks and deliverables
• Receive direction from a manager and exercise independent judgment while developing understanding of compliance and risk management requirements for the supported area
• Collaborate and consult with peers, colleagues, and managers to resolve issues and achieve goals
• Interact with internal and external customers

Ideal Candidate for this role:

• Outstanding problem solving and decision-making skills
• Strong analytical skills with high attention to detail and accuracy
• Ability to be proactive, innovative and creative in meeting customer and enterprise needs
• Ability to interact with integrity and a high level of professionalism with all levels of team members and management
• Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment
• Energetic self-starter who proactively takes initiative, remains curious and has a genuine interest in learning and growth

This is a 2 year program with a program start date of July 2026.

Los Angeles, CA

Pay Range:

• Los Angeles: $110,000 Annually
• May be considered for a discretionary bonus, Restricted Share Rights or other long-term incentive awards.

Required Qualifications:

• 6+ months of Investment Banking Program experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

• Currently pursuing a bachelor’s degree with an expected graduation date between December 2025 –June 2026
• Excellent verbal, written, and interpersonal communication skills
• Ability to work effectively, as well as independently, in a collaborative, change driven environment
• Intermediate Microsoft Office (Word, Excel, Outlook, and PowerPoint) skills
• Involvement in extracurricular enrichment activities through one or more of the following: volunteerism, student organization involvement, study abroad program(s), leadership position(s), non-profit involvement
• Pursuing a bachelor’s degree. All majors are welcome.
• Demonstrated knowledge, interest and/or experience with financial markets, banking, or financial services industry.

Job Expectations:

• Registration for FINRA Series 63 (or 66) must be completed within 90 days of hire date if it is not available for transfer upon hire. FINRA recognized equivalents will be accepted.
• Registration for FINRA Series 79 must be completed within 90 days of hire date if it is not available for transfer upon hire. FINRA recognized equivalents will be accepted.
• Registration for Securities Industry Essentials (SIE) exam must be completed within 90 days of hire date if it is not available for transfer upon hire. FINRA recognized equivalents will be accepted.

This position may be subject to FINRA Background Screening Requirements, including successful completion and clearing of a background check. Internal transfers are subject to comply with 17 CFR 240.17f-2 of the Securities Exchange Act of 1934 and FINRA Bylaws, Article III, Section 3, which states that Associated Persons should not be subject to statutory disqualification. Successful candidates must also meet ongoing regulatory requirements including additional screening and are required to report certain incidents.

Wells Fargo Recruitment and Hiring Requirements:

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

Investment Banking Overview

Provides a full range of investment banking and advisory services to clients in the following industries:

• Consumer & Retail
• Energy & Power
• Financial Institutions Group
• Financial Sponsors
• Healthcare
• Industrials
• Real Estate, Gaming, Lodging and Leisure (REGAL)
• Mid-Cap Investment Banking
• Technology, Media & Telecommunications

Provides a full range of execution capabilities and services to clients in the following products:

• Corporate Finance
• Equity Capital Markets
• Investment Grade Debt Capital Markets
• Leveraged Finance
• Mergers and Acquisitions

Additional product groups:

• Fund Finance
• Sustainable Finance and Advisory

WHAT THE PROGRAM OFFERS

Analysts, depending on the Division and Group they are assigned to, assume significant responsibility that may include:

• Developing and maintaining models to depict projected financial results and to value companies
• Working closely with senior bankers on presentations, financial and credit analysis, and the preparation of financial projections and models
• Supporting various financial analyses, including valuations and merger consequences
• Performing comprehensive and in-depth company and industry research
• Preparing presentations and other materials for clients
• Conducting research, participating in strategic planning and assisting in the execution of advisory services
• Conducting financial analysis, preparing credit packages, and monitoring existing deals; creating pitches, proposals, and marketing materials
• Participating in client meetings, due diligence visits, and other client interactions to gain exposure to key executives and senior bankers

In this role, you will:

• Participate in analyzing companies, develop strategies for clients, pulling market and industry research, and completing a trading simulation within Investment Banking Mid-Year Program
• Review strategies for clients, build detailed financial models, analyze market data, and prepare client presentations related to low-to-medium risk tasks and deliverables
• Receive direction from a manager and exercise independent judgment while developing understanding of compliance and risk management requirements for the supported area
• Collaborate and consult with peers, colleagues, and managers to resolve issues and achieve goals
• Interact with internal and external customers

Ideal Candidate for this role:

• Outstanding problem solving and decision-making skills
• Strong analytical skills with high attention to detail and accuracy
• Ability to be proactive, innovative and creative in meeting customer and enterprise needs
• Ability to interact with integrity and a high level of professionalism with all levels of team members and management
• Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment
• Energetic self-starter who proactively takes initiative, remains curious and has a genuine interest in learning and growth

Program duration:This is a 2 year program with a program start date of July 2026.

: Los Angeles, CA

Pay Range:

• Los Angeles: $110,000 Annually
• May be considered for a discretionary bonus, Restricted Share Rights or other long-term incentive awards.

Required Qualifications:

• 6+ months of Investment Banking Program experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

• Currently pursuing a bachelor’s degree with an expected graduation date between December 2025 –June 2026
• Excellent verbal, written, and interpersonal communication skills
• Ability to work effectively, as well as independently, in a collaborative, change driven environment
• Intermediate Microsoft Office (Word, Excel, Outlook, and PowerPoint) skills
• Involvement in extracurricular enrichment activities through one or more of the following: volunteerism, student organization involvement, study abroad program(s), leadership position(s), non-profit involvement
• Pursuing a bachelor’s degree. All majors are welcome.
• Demonstrated knowledge, interest and/or experience with financial markets, banking, or financial services industry.

Job Expectations:

• Registration for FINRA Series 63 (or 66) must be completed within 90 days of hire date if it is not available for transfer upon hire. FINRA recognized equivalents will be accepted.
• Registration for FINRA Series 79 must be completed within 90 days of hire date if it is not available for transfer upon hire. FINRA recognized equivalents will be accepted.
• Registration for Securities Industry Essentials (SIE) exam must be completed within 90 days of hire date if it is not available for transfer upon hire. FINRA recognized equivalents will be accepted.

This position may be subject to FINRA Background Screening Requirements, including successful completion and clearing of a background check. Internal transfers are subject to comply with 17 CFR 240.17f-2 of the Securities Exchange Act of 1934 and FINRA Bylaws, Article III, Section 3, which states that Associated Persons should not be subject to statutory disqualification. Successful candidates must also meet ongoing regulatory requirements including additional screening and are required to report certain incidents.

Wells Fargo Recruitment and Hiring Requirements:

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.