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Bank Of America Commercial Credit Underwriter II - Profit Healthcare United States, New York, New York 868034571
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
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 structuring in 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
- Experience in the healthcare sector preferred
Skills:
- Credit and Risk Assessment
- Financial Analysis
- Underwriting
- Attention to Detail
- Written Communications
- Financial Forecasting and Modeling
- Recording/Organizing Information
- Credit Documentation Requirements
- Analytical Thinking
- Collateral Management
- Loan Structuring
- Business Acumen
- Collaboration
- Prioritization
Minimum Education Requirement:
High School Diploma / GED / Secondary School or equivalent
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