Enterprise Credit Treasury Lending Underwriter I-II or Senior

at Bank of America in Newark, Delaware, United States

Job Description

Enterprise Credit Treasury Lending Underwriter I-II or Senior

Charlotte, North Carolina;Seattle, Washington; Atlanta, Georgia; Dallas, Texas; Iselin, New Jersey; Boston, Massachusetts; Chandler, Arizona; Providence, Rhode Island; New York, New York; Chicago, Illinois; Newark, Delaware; Ontario, California; Saint Louis, Missouri

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Bank of America employees are required to meet all posting eligibility requirements prior to applying for any new position.

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To proceed with your application, you must be at least 18 years of age.

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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:

Responsible for Middle Market, Business Banking, HENFP, CREB, HSTR. DFS, and GWIM underwriting, structuring and approving credit actions for new Treasury Management and Card credit requests, renewals, and reviews. Exercises single signature approval authority for Intraday and Card credit exposure per applicable approval grids. Credit decisions must meet underwriting quality and risk management standards and comply with bank policies and procedures. Strong credit skills with ability to work independently and reach credit decisions timely and efficiently. Will also provide leadership and periodically provide concurrence approval on policy and underwriting exception variances in addition to dollar amount concurrences. May participate in projects and initiatives to achieve strategic objectives of the organization.

Responsibilities:

+ Analyze, underwrite, and approve credit solutions for existing and new Treasury and card clients; approve Treasury and Card credit requests in accordance with applicable credit approval grid

+ Conduct credit analysis including financial spreads, risk rating scorecards, industry assessment, cash flow; complete Credit Approval documentation

+ Evaluate credit worthiness and provide analysis and decisioning on whether a client should be approved for a Treasury or Card credit facility

+ Ensure underwriting complies with Bank credit policy and procedures

+ Partner with Relationship Managers, Treasury Sales Officers, and Risk teammates to assess and deliver Treasury and Card credit solutions

+ Ensure data quality of credit related client and deal information

+ Mentor and assist junior team members as applicable

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

Required Qualifications:

+ Minimum of 5-7 plus years of COMMERCIAL underwriting and credit analysis

+ 3 plus years of commercial credit decisioning experience with approval signature authority

+ Formal commercial credit training or equivalent work experience.

+ Prior experience in a high volume production environment

+ Superior teamwork skills in the commercial market space.

+ Bachelor’s degree or equivalent work experience, preferably in business administration, finance, accounting or economics

Desired Qualifications:

+ Line management and administrative experience desired.

+ Knowledge of Treasury Cash Management products and Commercial Card.

+ Prior Sales and/or customer service experience also 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, 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 "Know your Rights (https://www.eeoc.gov/sites/default/files/2023-06/22-088\EEOC\KnowYourRights6.12.pdf) " poster.

View the LA County Fair Chance Ordinance (https://dcba.lacounty.gov/wp-content/uploads/2024/08/FCOE-Official-Notice-Eng-Final-8.30.2024.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.

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