Commercial Credit Analyst I

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Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us!

Job Description:
This job is responsible for managing credit activities to support underwriting of commercial credit clients (e.g., financial spreading, risk rating scorecard, covenant tests). Key responsibilities include analyzing ongoing credit and escalating to the credit team as appropriate.

Please note this role is not remote and will require you to be in the location of Charlotte NC for August 2025

Responsibilities:
• Analyzes financial statements and summarizes existing client's performance via periodic risk profile reviews
• Partners with credit and client teams both within Centralized and Regional Credit Lines of Business
• Manages risk through accurate financial spreading, risk rating, and covenant test calculations
• Expands expertise by reviewing policy and procedure thoroughly and actively participating in continuing education sessions
• Collaborates with peers to manage optimal workflow
• Identifies and escalates process breakdowns

Required Skills:
• Credit and Risk Assessment
• Financial Analysis

• Understanding of Financial Accounting Principles

• Credit Documentation Requirements
• Critical Thinking
• Prioritization
• Attention to Detail
• Business Acumen
• Decision Making
• Written Communications
• Client Management
• Recording/Organizing Information
• Analytical Thinking

Desired Skills:

• Financial Forecasting and Modeling

• Collateral Management

• Underwriting

• Financial Ratio Analysis

Minimum Education/Experience Requirement:

BA/BS Degree in Finance, Accounting, or Business Administration preferred or 1-3 years of relevant work experience.

T his position is posted as a Commercial Credit analyst I and can be filled as a Commercial Credit Analyst II under the manager's discretion.

Shift:
1st shift (United States of America)

Hours Per Week:
40

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