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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 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: The UW is responsible for underwriting and structuring of credit transactions. The UW is able to underwrite credit transactions with minimal oversight from the Credit Officer (CO) and also approves complex credit transactions with some coaching from the CO/Commercial Credit Manager (CCM). The UW leads the credit approval process with assistance from the CCM as needed for clients without CO coverage and is an active participant with the CO in credit approval process for complex clients/transactions. UWs may call on credit clients and prospects in partnership or independently with the RM and/or CO as appropriate. Provides ongoing management and primary accountability for a portion of the monitoring and maintenance activities on an assigned portfolio or market, including a higher composition of complex client relationships. They monitor clients operating performance and financial condition to proactively identify issues and opportunities. 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 UW's provide ongoing coaching and support to other Credit team members. They report to CCM and partner closely with COs. 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: 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: 3+ years of solid experience in Commercial Banking performing financial analysis, structuring, underwriting and portfolio management strong communication and analytical/technical skills, including financial accounting, modeling and loan structuring. Desired Qualifications: Participate with RM or CO's to negotiate Credit Agreements & loan documents, as needed. Be knowledgeable of the closing process & timeline for all types of loans (i.e. real estate, revolvers, etc.) BA/BS Desired Shift: 1st shift (United States of America) Hours Per Week: 40 Pay Transparency details US - CT - Hartford - 185 ASYLUM ST - CITY PLACE 1 (CT2500), US - NY - Melville - 300 BROADHOLLOW RD - BANK OF AMERICA (NY5529), US - NY - New York - ONE BRYANT PARK - BANK OF AMERICA TOWER (NY1100) Pay and benefits information Pay range $81,600.00 - $162,500.00 annualized salary, offers to be determined based on experience, education and skill set. Discretionary incentive eligible This 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. Benefits This 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. Privacy Statement: https://careers.bankofamerica.com/en-us/privacy-notice At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day. One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We’re devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being. Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization. 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! Partnering Locally Learn about some of the ways Bank of America is making a difference in the communities we serve. Global Impact Learn about the six areas that guide Bank of America’s efforts to help make financial lives better for customers, clients, communities and our teammates. Diversity and Inclusion Each employee brings unique skills, background and opinions. We see diversity and inclusion as our platform for innovation and a key component in our success. Our Values Learn about our four values that represent what we believe. Pay Transparency: https://careers.bankofamerica.com/en-us/pay-transparency
