Sr Credit Underwriter/Underwriter II-Global Leasing/Large Corporates

Sr Credit Underwriter/Underwriter II-Global Leasing/Large Corporates Boston, Massachusetts;New York, New York; Chicago, Illinois; Providence, Rhode Island; Charlotte, North Carolina

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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 performing risk assessment and repayment capacity analysis (i.

e., financial, borrower, industry, etc.) and preparing transaction justification for moderately complex/complex transactions with limited oversight. Key responsibilities include documenting credit analysis, independently assessing historic and projected borrower financial information, evaluating adherence to policy and procedure, providing loan structure analysis and recommendations, monitoring portfolio performance and writing Credit Approval Memorandums. Responsible for delivery of integrated credit solutions to large corporate clients. Partner closely with client-facing teammates in the Global Corporate Bank to consult on sales opportunities and provide the product expertise and consultation necessary to deliver the best possible solution to the client along with prescreening new opportunities with senior management. This position can be filled as a Sr. Credit Underwriter or Credit Underwriter II

• 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 + Evaluates new end-user credit opportunities including identification and assessment of risks and identifies mitigating factors + Partners with client-facing teammates to consult on sales opportunities and provide the product expertise and consultation necessary to deliver the best possible solution to the client + Underwrites new transactions, analyzes credit risk, negotiates and closes deals, while adhering to internal policy, procedures and regulatory requirements + Structures the terms of a lease/loan with respect to the various aspects that make up a lease/loan (e.

g. pricing, rates, payment, term, collateral) + Manages the credit process for a portfolio of clients including reviewing financial statements, assessing the client's compliance with financial covenants, confirming the accuracy of risk ratings, and recommending changes as warranted

• Required Qualifications:

• + Minimum 5+ yrs Leasing, Equipment Finance or Commercial Credit Experience + Must have proficient credit and risk analysis skills. + Must have proficient presentation, structuring and financial statement analysis skills. + Must have proficient Microsoft Office skills. + Must have proficient business writing skills.

• Desired Qualifications:

• + BA/BS Degree in Finance or related major + MBA/CFA preferred + In-depth Leasing/Equipment finance experience

• 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

• 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. View your

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• Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse.

Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. 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. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.