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Credit Underwriter II/I - Global Wealth & Investment Management (Open)
Credit Underwriter II/I - Global Wealth & Investment Management (Open)
Charlotte, North Carolina
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:
This job is responsible for supporting credit underwriting and monitoring for new and existing clients in partnership with a credit team. Key responsibilities include independently managing low-complexity transactions or portfolios, completing and reviewing credit analysis, evaluating risks, and writing financial analysis. Job expectations include leading the process, ensuring timely and accurate analysis, and coaching teammates on credit requirements.
The Credit Underwriter II (CUII) partners closely with the Credit Advisor (CA) to develop and expand custom lending relationships with strategic wealth clients. This role supports responsible and profitable loan and revenue growth while also managing a portfolio of existing credit relationships. The CUII is responsible for performing and documenting comprehensive financial analysis to support credit decisions for ultra‑high‑net‑worth clients—including individuals, family offices, trusts, and specialized wealth entities—ensuring full adherence to applicable policies, procedures, and GWIM underwriting standards and guidelines.
Can be filled as Credit Underwriter I or II depending on experience.
Responsibilities:
Leads the credit analysis process with the support of other analysts and associates
Partners with Credit Officers, Relationship Management, and Risk teammates to understand structuring needs and requirements
Monitors operating performance and financial condition, proactively identifying issues and opportunities
Assists in delivery of financial modeling, loan structure, industry, economic, and other analyses to team members to support the loan decision-making process
Reviews work of junior teammates to provide feedback/coaching and ensure compliance with laws, rules, regulations and policy procedure
May have primary coverage responsibility for a portfolio of clients with limited complexity and credit approval for certain credit actions
Participate in loan structure conversations and completion of loan documentation with internal/external legal partners
Necessary Activities (Includes but not limited to):
Complete Credit Approval Memos (CAMs) and modifications to secure credit approval for complex, custom loan products, including marketable securities, commercial real estate, fine art, hedge fund, yacht, unsecured, insurance, private equity, and subscription‑finance facilities
Synthesize comprehensive financial information to assess liquidity, leverage, cash flow, key risks/mitigants, and legal structures (trusts, special wealth vehicles, etc.), applying sound judgment to support appropriate credit decisions
Distill complex issues to their core components and document findings clearly, concisely, and accurately
Consistently apply established policies, procedures, and underwriting practices, including accurate financial spreading, risk rating, financial modeling, and required approvals
Provide lending guidance, structural recommendations, and policy expertise during upfront deal discussions with partners
Review, negotiate, and refine loan structures and covenants during the documentation process based on borrower creditworthiness, collateral, and overall risk appetite
Proactively manage deal pipeline and ensure timely progression of new and existing transactions
Oversee day‑to‑day management of assigned loan portfolio, ensuring timely and accurate execution of collateral releases, SER preparation, renewals, covenant resolution, risk‑rating updates, loan modifications/waivers, and past‑due remediation
Identify opportunities to streamline workflows and recommend process improvements
Required Qualifications:
Strong financial analysis, accounting skills, and deal structuring for borrowers with complex balance sheets and income streams
3-5+ years of commercial and/or private wealth management credit experience
Strong negotiation and communication skills
Proficiency in Word, Excel and PowerPoint
Excellent interpersonal skills and the ability to build business partnerships with risk, services and client teams who may not be co-located
Desired Qualifications:
Formal Credit Training and/or Commercial/Wealth Management credit experience preferred
Bachelor’s degree in business administration, finance, accounting or economics preferred
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
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.
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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 a reasonable accommodation from this requirement, you must seek an accommodation through the Bank’s required accommodation request process before your first day of work.
This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.
Investment products offered through MLPF&S and insurance and annuity products offered through MLLA:
Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value
Are Not Deposits Are Not Insured by Any Federal Government Agency Are not a condition to Any Banking Service or Activity
Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation (“BofA Corp.”). MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC and a wholly owned subsidiary of BofA Corp. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation.
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