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. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day.
One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We're devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being.
Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization.
Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us!
Job Description: Performs intensive qualitative and quantitative due diligence on industry and company factors. Analysts participate in the structuring, underwriting and documentation of credit facilities designed to meet both client and investor needs as well as balance the banks internal risk/return requirements. Research, write and present financial and industry analyses in support of company specific and portfolio level decisions. Evaluate transaction and relationship risk-adjusted profitability to facilitate the allocation of capital. Monitor all elements of the bank credit exposure to its clients across its international network, including periodically reassessing internally assigned risk ratings. Manage credit exposure associated with the bank broad range of products including Leasing, Commodities/Foreign Exchange, Derivatives, Treasury Management, Receivable Securitization Conduits, etc.
Responsibilities: Be an active member of deal teams and engage proactively with relationship and product partners
Analyze clients' businesses, their financial statements and due diligence materials
Prepare insightful detailed credit papers for new requests and ongoing portfolio monitoring purposes
Perform ongoing monitoring of clients and information flow associated with the portfolio
Supervise and provide developmental oversight to Analyst
Identify and escalate emerging risks
Understand and apply internal policy, procedures and regulatory requirements
Review various legal documents for relevant credit products
Successful candidate must be able to communicate effectively in constructing arguments to support recommendations to senior officers.
Credit Officers will also, on occasion, participate in client meetings.
Requirements: Minimum 2 years of experience in banking and finance or related field
Sound commercial judgment and strong business acumen
Knowledge of credit products including loans, derivatives, trade finance, cash management
Ability to analyze financial statements, conduct due diligence and prepare credit proposals
Experience analyzing investment and sub-investment grade credit profiles and structures
Proactive - takes initiative and demonstrates ownership
Strong technical skills, including accounting and modeling in Excel
Strong written and verbal communication skills in English
Capability to build relationship both within the bank and with clients
Demonstrates intellectual curiosity and is focused on continuous learning and skill building
Ability to work independently and manage multiple complex tasks while delivering high quality results
Skills: Analytical Thinking
Financial Analysis
Financial Forecasting and Modeling
Profitability Analysis
Research Analysis
Attention to Detail
Business Acumen
Credit and Risk Assessment
Underwriting
Written Communications
Collaboration
Critical Thinking
Portfolio Analysis
Prioritization
Technical Documentation
What Bank of America Offers Bank of America embodies a culture that extends from how we think, to how we behave, and to how we measure performance. By achieving excellence - in everything we do, every time we do it - we deliver the full value of Bank of America for our clients, our shareholders and our employees.
Bank of America places a high value on talent and on maintaining a culture defined by meritocracy. For these reasons, it is deeply committed to professional development, opportunity and accountability at all levels of the organization.
Bank of America is an Equal Opportunity Employer Bank of America encourages applications from all qualified individuals. Applicants with disabilities may notify us of any accommodations needed to support your participation in the recruitment process. We wish to thank all applicants for their interest and effort in applying. Please be aware that only candidates selected for interviews will be contacted for this position. Bank of America N.A. Member FDIC 2024 Bank of America Corporation. All rights reserved.
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