Commercial Credit Analyst II/III

Bank of America

. Facilitate parts of credit underwriting and monitoring for new and existing clients .

Posted 11/10/2026full-timeUnited StatesJunior💰 $74,000 - $84,100 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in Credit and Risk Assessment, Financial Analysis, and Financial Forecasting and Modeling, while effectively managing credit activities and collaborating with cross-functional teams. Strong analytical and decision-making skills are essential for evaluating risks and ensuring compliance with credit documentation requirements.

Highest-signal resume keywords

Credit And Risk AssessmentFinancial AnalysisFinancial Forecasting And ModelingCollateral ManagementUnderwriting

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial AnalysisCredit And Risk AssessmentFinancial Forecasting And ModelingCollateral ManagementFinancial Ratio AnalysisCredit Documentation Requirements

Soft Skills

Critical ThinkingAttention To DetailDecision MakingWritten CommunicationsAnalytical Thinking

Industry Keywords

Financial Accounting PrinciplesClient ManagementRecording/Organizing InformationCovenant ComplianceRisk Rating Scorecard

About the role

Key responsibilities & impact

Facilitate parts of credit underwriting and monitoring for new and existing clients
Complete credit analysis, evaluate risks, and write financial analysis using various tools and systems
Analyze financials, projections, industry data, covenant compliance, collateral, and policy requirements
Manage credit activities supporting underwriting of commercial credit clients
Perform financial spreading, risk rating scorecard, and covenant test calculations
Analyze ongoing credit and escalate issues to the credit team as appropriate
Analyze financial statements and summarize existing client performance through periodic risk profile reviews
Partner with credit and client teams within Centralized and Regional Credit Lines of Business
Review policies and procedures and participate in continuing education sessions
Collaborate with peers to manage optimal workflow
Identify and escalate process breakdowns

Requirements

What you’ll need

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
BA/BS Degree in Finance, Accounting, or Business Administration preferred, or 1–3 years of relevant work experience
Financial Forecasting and Modeling
Collateral Management
Underwriting
Financial Ratio Analysis
Ability to work 1st shift in the United States of America
40 hours per week

Benefits

Comp & perks

Affordable, competitive and flexible benefits
Support for teammates’ physical, emotional, and financial wellness
Opportunities to learn, grow, and make an impact
Annual discretionary incentive plan eligibility
Benefits eligibility
Paid time off
Resources and support to make an impact and contribute to sustainable business and community growth