Bank Of America Commercial Credit UW I-II United States, New York, New York 41439565
Job Description:
Job Description:
This job is responsible for performing risk assessment and repayment capacity analysis (i.e., financial, borrower, industry, etc.) and preparing transaction justification for moderately complex/complex transactions with limited oversight. Key responsibilities include documenting credit analysis, independently assessing historic and projected borrower financial information, evaluating adherence to policy and procedure, providing loan structure analysis and recommendations, and monitoring portfolio performance.
Responsibilities:
Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facility
Partners with Credit Officers, Relationship Management, and Risk teammates to assess and deliver credit solutions
Monitors the client's operating performance and financial condition, proactively identifying issues and opportunities
Delivers financial modeling, loan structure, industry, economic, and other analysis to team members to support the loan decision-making process
Ensures adherence to credit policies, guidelines, procedures, and applicable regulatory requirements
Skills:
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
Required Skills:
5+ years of solid experience in financial analysis, structuring, underwriting and portfolio management, strong communication and analytical/technical skills, including financial accounting, modeling and loan structuringin Commercial Banking
Analytical/technical skills, including financial accounting, and modeling
Strong communication skills; ability to communicate vertically, horizontally, and externally
Experience in financial analysis and portfolio management
Desired Skills:
BS/BA degree and 2-3 years of credit analyst experience preferred
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