Bank Of America Commercial Credit Underwriter I/II - Restaurant Group 

United States, Georgia, Atlanta 

794076113

Job Description:

Job Description:

The Restaurant Group (RG) UW is responsible for underwriting and structuring of credit transactions for middle market and large corporate restaurant companies based in the United States. The UW is able to underwrite credit transactions with minimal oversight from the Credit Officer (CO). The UW is an active participant with the CO in credit approval process for complex clients/transactions. UWs may call on credit clients and prospects in partnership or independently with the RM and/or CO as appropriate. Provides ongoing management and primary accountability for a portion of the monitoring and maintenance activities on an assigned portfolio of loans to restaurant companies, including a composition of complex client relationships. They monitor clients operating performance and financial condition to proactively identify issues and opportunities. They deliver financial, industry, economic and other analysis to facilitate decision making, while also ensuring adherence to credit policies, guidelines, and applicable regulatory requirements. The UW's provide ongoing coaching and support to other Credit team members. They report to Commercial Credit Manager (CCM) and partner closely with COs.

*Role can be filled as Underwriter I or II at the manager's discretion

Responsibilities:

• Evaluates credit worthiness and provides analysis and recommendations 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

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

• Strong understanding and experience in cash flow lending

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

Skills:

• Attention to Detail

• Credit and Risk Assessment

• Financial Analysis

• Underwriting

• Written Communications

• Analytical Thinking

• Credit Documentation Requirements

• Financial Forecasting and Modeling

• Enterprise valuations

• Recording/Organizing Information

• Business Acumen

• Collaboration

• Loan Structuring

High School Diploma / GED / Secondary School or equivalent