Credit Analyst III

Bank of America

. Partner with a credit team to support underwriting and ongoing monitoring for new and existing clients .

Posted 9/22/2026full-timeNewport Beach • California • United StatesJuniorMid-Level💰 $95,000 - $126,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in credit analysis, financial modeling, and risk assessment while effectively collaborating with cross-functional teams to support credit resolution strategies and compliance with regulatory standards.

Highest-signal resume keywords

Credit UnderwritingFinancial Statement AnalysisRisk AssessmentMicrosoft Excel ProficiencyCommercial Lending

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Credit AnalysisFinancial ModelingScenario AnalysisCash Flow ForecastingPortfolio ManagementRestructuring StrategiesCovenant ComplianceCollateral DocumentationQuantitative Data AnalysisQualitative Data Analysis

Soft Skills

Relationship ManagementInfluencing SkillsCollaborationCoachingAnalytical Leadership

Certifications & Qualifications

High School DiplomaGEDSecondary School or Equivalent

Industry Keywords

Commercial BankingCredit RiskGovernance RequirementsCredit PoliciesDistressed Credit RelationshipsLoan DocumentationPortfolio ReviewsCredit MemosBorrower ReviewsFinancial Analysis

About the role

Key responsibilities & impact

Partner with a credit team to support underwriting and ongoing monitoring for new and existing clients
Prepare and review credit analyses to assess creditworthiness and risk
Use multiple tools and systems to support underwriting and monitoring
Draft financial analyses for approval and monitoring materials
Analyze qualitative and quantitative data, including financial statements, projections, industry data, covenant compliance, collateral documentation, and policy requirements
Perform complex financial, credit, collateral, and risk analyses for criticized, classified, and distressed commercial credit relationships
Evaluate borrower financial performance, liquidity, cash flow, collateral coverage, repayment capacity, and industry trends
Analyze and recommend internal risk ratings consistent with applicable credit policies, standards, and procedures
Prepare and present borrower reviews, covenant analyses, portfolio assessments, and credit memos
Develop recommendations supporting credit resolution strategies, restructuring alternatives, repayment plans, and recovery initiatives
Partner with SAG Portfolio Officers to evaluate strategic options and execute resolution plans
Liaise with Credit Risk, Legal, Operations, and other business partners
Participate in loan structure conversations, loan documentation, client meetings, portfolio reviews, and monitoring activities
Review junior teammates’ work and provide feedback and coaching
Ensure compliance with laws, rules, regulations, policies, and procedures

Requirements

What you’ll need

2+ years of experience in commercial banking, credit underwriting, portfolio management, workout, restructuring, or a related discipline
Strong knowledge of commercial lending, financial statement analysis, credit risk assessment, and commercial credit structures
Experience analyzing commercial borrowers and preparing credit approval, underwriting, or portfolio management materials
Experience working with criticized, classified, or distressed commercial credit relationships
Experience analyzing and recommending restructuring alternatives and credit resolution strategies
Advanced proficiency in Microsoft Excel, including financial modeling, scenario analysis, and cash flow forecasting
Understanding of commercial banking regulations, credit policies, risk frameworks, and governance requirements
Strong relationship management skills with the ability to influence and collaborate across multiple business functions
Prior experience mentoring junior analysts or providing analytical leadership on complex credit assignments
High School Diploma / GED / Secondary School or equivalent
1st shift availability
Ability to work 40 hours per week

Benefits

Comp & perks

Discretionary incentive eligible
Eligible to participate in the annual discretionary plan
Industry-leading benefits
Paid time off
Resources and support to employees
In-office flexibility based on role-specific responsibilities and business needs