GCIB- Commercial Credit Underwriter I/Commercial Credit Officer I

GCIB- Commercial Credit Underwriter I/Commercial Credit Officer I

Dallas, Texas

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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 managing clients and related credit products, partnering closely with relationship management, sales/trading, treasury management, operations and risk teams to support the client relationship..

Key responsibilities include underwriting, monitoring, managing operational needs and/or client requests.

Job expectations include credit-focused client management responsibilities, independent thought leadership, and the ability to provide feedback to less experienced teammates.

Responsibilities:

• Partners with relationship management and product partners to assess clients’ credit needs and create solutions

• Leads loan structure conversations and negotiates loan documentation with clients and internal/external legal partners

• Drives credit and risk approval processes for new credit originations, renewals, increases, and modifications

• Leads ongoing monitoring efforts for a portfolio of clients in compliance with regulations, policy and procedure

• Mentors and supports associates

• Partners with relationship management and product partners to assess clients’ credit needs and create solutions

• Leads the credit analysis process with the support of other analysts and associates

• Partners with Credit Officers and Risk teammates to understand structuring needs and requirements

• Monitors operating performance and financial condition, proactively identifying issues and opportunities

• Assists in delivery of financial modeling, loan structure, industry, economic and other analysis to team members to support the loan decision-making process

• Reviews work of junior teammates to provide feedback/coaching and ensure compliance with laws, rules, regulations and policy procedure

• Granted credit approval for certain credit actions

• Participates in loan structure conversations and completion of loan documentation with internal/external legal partners

Required Qualifications:

• 3 years of credit and financial institution experience with Commercial Credit Underwriting, commercial credit loan structuring

• Strong written and communication skills

• Strong MS Office skills (Excel, Word, PowerPoint)

• Attention to detail

Desired Qualifications:

• Bachelor’s degree in finance/accounting preferred or equivalent experience

Skills:

• Analytical Thinking

• Credit and Risk Assessment

• Financial Analysis

• Research Analysis

• Underwriting

• Attention to Detail

• Business Acumen

• Financial Forecasting and Modeling

• Loan Structuring

• Written Communications

• Business Development

• Collaboration

• Critical Thinking

• Portfolio Analysis

• Stakeholder Management

Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent

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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