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Enterprise Credit Treasury Lending Underwriter I-II or Senior
senior · Risk & Compliance
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:
Responsible for Middle Market, Business Banking, HENFP, CREB, HSTR. DFS, and GWIM underwriting, structuring and approving credit actions for new Treasury Management and Card credit requests, renewals, and reviews. Exercises single signature approval authority for Intraday and Card credit exposure per applicable approval grids. Credit decisions must meet underwriting quality and risk management standards and comply with bank policies and procedures. Strong credit skills with ability to work independently and reach credit decisions timely and efficiently. Will also provide leadership and periodically provide concurrence approval on policy and underwriting exception variances in addition to dollar amount concurrences. May participate in projects and initiatives to achieve strategic objectives of the organization.
Responsibilities:
Analyze, underwrite, and approve credit solutions for existing and new Treasury and card clients; approve Treasury and Card credit requests in accordance with applicable credit approval grid
Conduct credit analysis including financial spreads, risk rating scorecards, industry assessment, cash flow; complete Credit Approval documentation
Evaluate credit worthiness and provide analysis and decisioning on whether a client should be approved for a Treasury or Card credit facility
Ensure underwriting complies with Bank credit policy and procedures
Partner with Relationship Managers, Treasury Sales Officers, and Risk teammates to assess and deliver Treasury and Card credit solutions
Ensure data quality of credit related client and deal information
Mentor and assist junior team members as applicable
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:
Minimum of 5-7 plus years of COMMERCIAL(Business Banking, Middle Market, Heath Education Not For Profit, Commercial Real Estate Banking, Dealer Financial Services, Global Wealth Investment Management) underwriting and credit analysis
3 plus years of commercial credit decisioning experience with approval signature authority
Formal commercial credit training or equivalent work experience.
Prior experience in a high volume production environment
Superior teamwork skills in the commercial market space.
Bachelor's degree or equivalent work experience, preferably in business administration, finance, accounting or economics
Desired Qualifications:
Line management and administrative experience desired.
Knowledge of Treasury Cash Management products and Commercial Card.
Prior Sales and/or customer service experience also preferred
Shift:
1st shift (United States of America)Hours Per Week:
40