Commercial Credit Underwriter I/II - Fresno, Bakersfield, Sacramento CA

　　Sacramento, California;Fresno, California; Bakersfield, California

　　Job Description:

　　The Commercial Credit Underwriter is responsible for underwriting and structuring of straightforward and complex credit transactions with minimal oversight from the CO (Credit Officer)/CCM (Commercial Credit Manager).

　　The Underwriter approves credit transactions with some coaching from the CO/CCM based on approval grid. The Underwriter leads the credit approval process with assistance from the CO/CCM as needed for clients with straight forward credit needs and is an active participant with the CO in credit approval process for complex clients/transactions.

　　Underwriter leads documentation and closing for straightforward credit transactions and has an active role with the CO in documentation and closing for complex transactions. They deliver financial, industry, economic and other analysis to facilitate decision making, while also ensuring adherence to credit policies, guidelines, and applicable regulatory requirements.

　　The Underwriter provides ongoing coaching and support to other Credit team members.

　　They report to the Commercial Credit Manager and partner closely with Credit Officers and Analysts.

　　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

　　Skills:

　　• Credit and Risk Assessment

　　• Financial Analysis

　　• Underwriting

　　• Attention to Detail

　　• Written Communications

　　• Financial Forecasting and Modeling

　　• Recording/Organizing Information

　　• Credit Documentation Requirements

　　• Analytical Thinking

　　• Collateral Management

　　• Loan Structuring

　　• Business Acumen

　　• Collaboration

　　• Prioritization

　　Required Skills:

　　5+ years of solid experience in financial analysis, structuring, underwriting and portfolio management in Commercial Banking

　　Strong communication and analytical/technical skills, including financial accounting, modeling and loan structuring

　　Desired Skills:

　　Ag lending experience

　　Minimum Education Requirement:

　　BS/BA degree preferred

　　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 and affirmative action, 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.

　　To view the "EEO is the Law" poster, CLICK HERE (https://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf) .

　　To view the "EEO is the Law" Supplement, CLICK HERE (https://www.dol.gov/ofccp/regs/compliance/posters/pdf/OFCCP_EEO_Supplement_Final_JRF_QA_508c.pdf) .

　　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.

　　To view Bank of America’s Drug-free workplace and alcohol policy, CLICK HERE .