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 is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates’ physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. 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. 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:<ul><li>Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facility</li><li>Partners with Credit Officers, Relationship Management, and Risk teammates to assess and deliver credit solutions</li><li>Monitors the clients operating performance and financial condition, proactively identifying issues and opportunities</li><li>Delivers financial modeling, loan structure, industry, economic, and other analysis to team members to support the loan decision-making process</li><li>Ensures adherence to credit policies, guidelines, procedures, and applicable regulatory requirements</li><li>Evaluates new end-user credit opportunities including identification and assessment of risks and identifies mitigating factors</li><li>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</li><li>Underwrites new transactions, analyzes credit risk, negotiates and closes deals, while adhering to internal policy, procedures and regulatory requirements</li><li>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)</li><li>Manages the credit process for a portfolio of clients including reviewing financial statements, assessing the clients compliance with financial covenants, confirming the accuracy of risk ratings, and recommending changes as warranted</li></ul>Required Qualifications:<ul><li>Minimum 5+ yrs Leasing, Equipment Finance or Commercial Credit Experience</li><li>Must have proficient credit and risk analysis skills.</li><li>Must have proficient presentation, structuring and financial statement analysis skills.</li><li>Must have proficient Microsoft Office skills.</li><li>Must have proficient business writing skills.</li></ul>Desired Qualificaitons:<ul><li>BA/BS Degree in Finance or related major</li><li>In-depth Leasing/Equipment finance experience </li></ul>Skills:<ul><li>Attention to Detail</li><li>Credit and Risk Assessment</li><li>Financial Analysis</li><li>Underwriting</li><li>Written Communications</li><li>Analytical Thinking</li><li>Credit Documentation Requirements</li><li>Financial Forecasting and Modeling</li><li>Recording/Organizing Information</li><li>Business Acumen</li><li>Collaboration</li><li>Collateral Management</li><li>Loan Structuring</li><li>Prioritization</li></ul>Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalentShift:1st shift (United States of America)Hours Per Week: 40Pay Transparency detailsUS - IL - Chicago - 110 N Wacker Dr - Bank Of America Tower Chicago (IL4110), US - MA - Boston - 100 Federal St - 100 Federal St Lp (MA5100), US - NY - New York - ONE BRYANT PARK - BANK OF AMERICA TOWER (NY1100), US - RI - Providence - 1 Financial Plz - 1 Financial Plaza (RI1537)Pay and benefits informationPay range$102,800.00 - $162,500.00 annualized salary, offers to be determined based on experience, education and skill set.Discretionary incentive eligibleThis role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company.BenefitsThis role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.