Credit Underwriting Analyst

Job Description:

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.

Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates' physical, emotional, and financial wellness through affordable, competitive and flexible benefits.

We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve.

Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs.

At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!

Job Description:

This job is responsible for facilitating parts of credit underwriting and monitoring for new and existing clients.

Key responsibilities include completing credit analysis, evaluating risks, and writing financial analysis using various tools and systems.

Job expectations include analyzing financials, projections, industry data, covenant compliance, collateral, and policy requirements to ensure alignment with the bank's risk appetite.

Responsibilities:

• Analyze clients' businesses, their financial statements and due diligence materials
• Prepare insightful detailed credit papers for new requests and ongoing portfolio monitoring purposes
• Perform ongoing monitoring of clients and information flow associated with the portfolio
• Partners with experienced Credit Officers and Client Managers to evaluate credit risks, formulate the loan structure, and write the credit approval memo for loan modifications and restructurings.
• Understand and apply internal policy, procedures and regulatory requirements
• Review various legal documents for relevant credit products
• Successful candidate must be able to communicate effectively in constructing arguments to support recommendations to senior officers.

• Bachelor´s Degree in Finance, Economics, Administration, similar fields. Graduated December 2025 or before.
• Sound commercial judgment and strong business acumen
• Proactive - takes initiative
• Strong technical skills, including accounting and modeling in Excel
• Strong written and verbal communication skills in English
• Capability to build relationship both within the bank and with clients
• Demonstrates intellectual curiosity and is focused on continuous learning and skill building
• Ability to work independently and manage multiple complex tasks while delivering high quality results

• Credit Documentation Requirements
• Credit and Risk Assessment
• Critical Thinking
• Financial Analysis
• Prioritization
• Attention to Detail
• Business Acumen
• Decision Making
• Financial Forecasting and Modeling
• Written Communications
• Analytical Thinking
• Client Management
• Collateral Management
• Recording/Organizing Information
• Underwriting