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Commercial Credit Analyst – Small Business Credit
Bank of America. Evaluate the creditworthiness of businesses seeking loans or credit .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in creditworthiness evaluation, financial analysis, and risk assessment, with a strong focus on compliance and collaboration in the lending process. Proficient in analyzing financial statements and credit reports to make informed loan recommendations.
Highest-signal resume keywords
Small Business Credit Card UnderwritingFinancial Statement AnalysisCredit Risk AssessmentLoan StructuringCredit Documentation Requirements
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Financial AnalysisRisk AssessmentLoan Approval RecommendationsPortfolio MonitoringCredit Report AnalysisProfitability AnalysisUnderwritingCredit Policies ComplianceRisk ReportingLoan Portfolio Maintenance
Soft Skills
Analytical ThinkingBusiness AcumenDecision MakingPrioritizationCollaboration
Certifications & Qualifications
High School DiplomaGEDSecondary School Equivalent
Industry Keywords
CreditworthinessFinancial StatementsLoan TermsCredit ReportsLending ProcessClient FocusWritten CommunicationOral Communication
About the role
Key responsibilities & impact- Evaluate the creditworthiness of businesses seeking loans or credit
- Analyze financial statements, credit reports, and other financial data to assess risk
- Make recommendations on loan approval and terms
- Develop financial profiles and create risk reports
- Monitor existing loan portfolios and ensure financial obligations can be met
- Ensure compliance with credit policies and perform ongoing loan portfolio maintenance
- Work alongside senior commercial credit analysts on complex projects and analyses
- Collaborate with loan officers, relationship managers, and other departments to support the lending process
Requirements
What you’ll need- 2 years of Small Business Credit Card Underwriting experience
- High School Diploma / GED / Secondary School or equivalent
- Experience analyzing financial statements, business credit reports, and other financial documents
- Knowledge of credit and risk assessment, financial analysis, loan structuring, underwriting, profitability analysis, and credit documentation requirements
- Analytical thinking, business acumen, decision making, prioritization, and recording/organizing information
- Customer and client focus, collaboration, written communications, and oral communications
Benefits
Comp & perks- Affordable, competitive and flexible benefits
- Support for teammates’ physical, emotional, and financial wellness
- Opportunities to learn, grow, and make an impact
- Inclusive workplace and career development opportunities