Credit UW II or Senior Credit Underwriter

Credit UW II or Senior Credit Underwriter

Newport Beach, California

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Job Description:

About Us:

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:

As an Underwriter on the Global Commercial Banking credit team, you will be responsible for underwriting loans and related credit exposure for a portfolio of middle market companies across a broad range of industries with annual revenues ranging from $50 million to $2 billion in the Southern California Region. Working in close partnership with Relationship Management, Risk, Debt Capital Markets, Investment Banking and other product teams, you will analyze lending opportunities, structure transactions and perform ongoing portfolio monitoring. You will report to a Senior Credit Manager and work day-to-day with a team of Credit Officers, fellow Underwriters and Credit Analysts.

Responsibilities:

• Partner with credit teammates, relationship management and product teams to develop strategic debt financing solutions

• Employ credit and accounting knowledge to structure bilateral and syndicated loans aligned with client needs and bank risk parameters

• Analyze ancillary credit exposure for treasury, rates and foreign exchange products

• Perform due diligence and dynamic risk assessments of borrowers, industries and transactions

• Create credit approval packages and own the credit approval process from initiation through final decision

• Construct detailed financial cash flow and repayment models, including sensitivity analyses

• Complete enterprise value (discounted cash flow), pricing, returns and risk rating models

• Ensure adherence to regulatory and internal policies and procedures

• Exercise approval authority for certain credit actions

• Present well-supported opportunities to credit and risk leadership

• Partner with internal and external legal partners to produce loan documentation

• Oversee quarterly monitoring exercises and requirements, including covenant compliance

Skills:

• Loan Underwriting

• Financial Statement Analysis

• Financial Forecasting and Modeling

• Credit and Risk Assessment

• Capital Structuring

• Credit Documentation

• Multitasking and Prioritization

• Attention to Detail

Required Qualifications:

• BA/BS degree required

• 5+ Years of Commercial Banking (Middle Market, Large Corporate or Leveraged Finance) underwriting experience

• Proficiency in accounting principles, financial statement analysis and financial modeling

• Solid foundation in credit analysis, including evaluation of business risk, industry trends and capital structures

• Understanding of credit documentation, including term sheets, credit agreements and ancillary agreements (e.g. security, guarantee and intercreditor agreements)

• Strong written and verbal communication skills

• Excellent attention to detail and commitment to accuracy

• Ability to work in a fast paced, deadline driven environment

• Ability to juggle and prioritize multiple transactions and responsibilities at a time

Desired Qualifications:

• Experience with the syndicated loan execution process

• Familiarity with asset-based lending, leasing, treasury and other commercial banking lines of business

• Capability to interact confidently and negotiate with clients

Shift:

1st shift (United States of America)

Hours Per Week:

40

Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates.

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Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank’s required accommodation request process before your first day of work.

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