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Job Information

Bank of America Credit Underwriter I/II in Baltimore, Maryland

Credit Underwriter I/II

Richmond, Virginia;McLean, Virginia; North Bethesda, Maryland; Baltimore, Maryland

Job Description:

The UW is responsible for underwriting and structuring of straightforward and complex credit transactions with minimal oversight from the CO/CCM. The UW is able to underwrite complex credit transactions with minimal oversight from the CO and also approves credit transactions with some coaching from the CO/CCM based on approval grid. The UW leads the credit approval process with assistance from the CCM as needed for clients without CO coverage and is an active participant with the CO in credit approval process for complexclients/transactions.UWs may call on credit clients and prospects in partnership or independently with the RM and/or CO as appropriate. Provides ongoing management and primary accountability for all monitoring and maintenance activities on an assigned portfolio or market, including a higher composition of complex client relationships. The UW's have accountability for some monitoring and maintenance activities on an assigned client base primarily larger/complex client relationships. They monitor clients operating performance and financial condition to proactively identify issues and opportunities. They deliver financial, industry, economic and other analysis to facilitate decision making, while also ensuring adherence to credit policies, guidelines, and applicable regulatory requirements. The UW's provide ongoing coaching and support to other Credit Products team members. They report to the Commercial Credit Manager (CCM) and partner closely with COs.

Required Skills:

5+ years of solid experience in qualifications include: a BS/BA degree, general financial analysis, structuring, underwriting and portfolio management Strong communication and analytical/technical skills, including financial accounting, modeling and loan structuring.

Desired Skills:

Participate with RM or CO's to negotiate Credit Agreements & loan documents, as needed.

Be knowledgeable of the closing process & timeline for all types of loans

(i.e. real estate, revolvers, etc.)

  • Candidates could be hired as an UWI or II depending on skills and experience


1st shift (United States of America)

Hours Per Week:


Learn more about this role

Full time


Manages People: No

Travel: Yes, 5% of the time


Talent Acquisition Contact:

Referral Bonus: