Credit Analyst II/Credit Underwriter I-Global Infrastructure Credit

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This job is responsible for supporting credit underwriting and monitoring for moderately complex client relationships. Key responsibilities include completing and reviewing credit analysis, evaluating risks, and preparing financial analysis using advanced tools and systems. Job expectations include assessing financials, projections, industry data, covenant compliance, collateral, and policy requirements to ensure alignment with the bank’s risk appetite.

Embedded across the bank’s eight lines of business, the Global Infrastructure Credit team reflects the bank’s initiative to fuel the global economy, build trust and credibility with communities, and represents a company that people want to work for, invest in, and do business with. The Global Infrastructure Credit team supports the continued growth in sustainable, renewable, and green finance and further delivers on the bank’s commitment to help society transition to a low-carbon economy. The Global Infrastructure Credit team also supports Bank of America’s active role in the Digital Infrastructure market. The Global Infrastructure Credit Team covers transactions for Corporate Lending, Tax Equity and Project Finance through involvement in the origination and underwriting of transactions.

Responsibilities:

• Analyzes client financial information, identification/mitigation of potential risks, compliance with regulatory requirements and evaluation of collateral in determination of credit worthiness
• Completes monitoring activities via analysis of clients’ financial performance and collateral evaluation to ensure appropriate requirements are met
• Listens in to client meetings to develop a deeper understanding of the client's business, management team, and past and future performance
• Reviews completed client requests to ensure compliance with policy and procedures
• Understands how credit data is used internally and provided to regulatory partners
• Assists with periodic portfolio reviews
• Participates in loan structure conversations and completion of loan documentation
• Performs intensive qualitative and quantitative due diligence on transaction structures, stress scenarios, financial models, engineer reports, and terms and conditions
• Participate in the underwriting and documentation of project finance and other credit facilities designed to meet both client and investor needs as well as balance the bank's internal risk/return requirements
• Provide input into key projects/initiatives across the bank
• Review the credit profile of key transaction counterparties (e.g. borrowers, servicers, sponsors and off-takers)
• Engage with various partners including GCIB Enterprise Credit Officers for recourse obligors, Enterprise Credit Risk, and Global Markets Risk

Required Qualifications:

• 2+ yrs experience in corporate/commercial credit
• Strong technical skills, including quantitative financial modeling

Desired Qualifications:

• Experience in project finance/tax equity/structured credit with a focus in energy, power, or infrastructure
• BA degree in Finance or related major
• Formal credit training program at financial institution

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

Shift:

1st shift (United States of America)

Hours Per Week:

40