Bank Of America Commercial Credit Underwriter I-II 

United States, Florida, Miami 

567834897

The UW is responsible for underwriting and structuring of credit transactions. The UW is able to underwrite credit transactions with minimal oversight from the Credit Officer (CO) and also approves complex credit transactions with some coaching from the CO/Commercial Credit Manager (CCM). The UW leads the credit approval process with assistance from the CCM as needed for clients without CO coverage and is an active participant with the CO in credit approval process for complexUWs 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 or market, including a higher 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 CCM and partner closely with COs.

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 Qualifications:

• 5+ 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 is desired

1st shift (United States of America)