Bank Of America Credit UW I/II 

United States, Texas, Dallas 

555353149

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
• Prioritization

Required Qualifications:

· 3+ years of solid experience in Commercial Banking performing financial analysis, structuring, underwriting and portfolio management

· Strong communication and analytical/technical skills, including financial accounting, modeling and loan structuring.

Desired Qualifications:

· Participate with RM or CO's to negotiate Credit Agreements & loan documents, as needed.

· Be knowledgeable of the closing process & timeline for all types of loans (i.e. real estate, revolvers, etc.)

· BA/BS Desired