Credit Card Analyst III – Small Business Credit

Bank of America

. Apply judgmental and prescriptive lending principles in decisioning credit card applications .

Posted 9/23/2026full-timeUnited StatesJuniorMid-LevelWebsite

Core Competencies

Role fit

Core Competencies

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

Demonstrates expertise in Consumer Lending and Credit Analysis, applying judgmental and prescriptive lending principles while ensuring adherence to credit guidelines and regulatory requirements. Proven ability to manage tasks effectively, optimize customer relationships, and provide exceptional service in a fast-paced environment.

Highest-signal resume keywords

Consumer LendingCredit AnalysisCredit GuidelinesTime ManagementProblem Solving

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial MathCredit AnalysisLending ProceduresConsumer Card UnderwritingTask Management

Soft Skills

Customer ServiceMultitaskingIndependent Work

Industry Keywords

Consumer ProductsRegulatory RequirementsApproval AuthorityPolicy GuidelinesSLA Period

About the role

Key responsibilities & impact

Apply judgmental and prescriptive lending principles in decisioning credit card applications
Evaluate a wide range of applications and credit complexities with high levels of approval authority
Optimize relationship opportunities and maintain a high level of customer service with internal and external partners
Receive inbound and make outbound client calls
Manage and prioritize tasks to decide credit requests within required SLA period
Apply lending policies, procedures, and regulatory requirements
Service existing clients and maintain accounts
Follow lender guidance for final decisions and ensure adherence to policy guidelines

Requirements

What you’ll need

Consumer lending and Consumer products
Financial math
Credit analysis
Credit guidelines and lending procedures
Time management
Problem solving
2 years of Consumer Card Underwriting experience
Minimum education: High School Diploma / GED / Secondary School or equivalent
Ability to work independently
Multitasking
40 hours per week
1st shift (United States of America)

Benefits

Comp & perks

Affordable, competitive and flexible benefits
Support for teammates’ physical, emotional, and financial wellness
Opportunities to learn, grow, and make an impact
In-office culture supporting collaboration, engagement, and career development