Sr. Credit Underwriter-Global Leasing

Sr. Credit Underwriter-Global LeasingThis job is responsible for performing risk assessment and repayment capacity analysis (i.e., financial, borrower, industry, etc.) and preparing transaction justification for moderately to highly complex transactions with limited oversight. Key responsibilities include documenting credit analysis, independently assessing historic and projected borrower financial information, evaluating adherence to policy and procedure, providing loan structure analysis and recommendations, and monitoring portfolio performance. The Sr. Credit Underwriter uses this client knowledge to assess the appropriateness of existing solutions and to propose optimal financing alternatives or additional financing solutions. Directly accountable for managing credit quality and the approval process through their interaction with Risk Management Officers and Senior Management.ResponsibilitiesEvaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facilityPartners with Credit Officers, Relationship Management, and Risk teammates to assess and deliver credit solutionsMonitors the client's operating performance and financial condition, proactively identifying issues and opportunitiesDelivers financial modeling, loan structure, industry, economic, and other analysis to team members to support the loan decision-making processEnsures adherence to credit policies, guidelines, procedures, and applicable regulatory requirementsRequired Qualifications7+ yrs commercial credit experienceMust have equipment finance experienceExperience in the analysis and structuring of complex transactionsStrong credit and risk analysis skillsStrong presentation, structuring and financial statement analysis skillsProven ability to analyze, interpret and negotiate third party documentationProven ability to identify trends and emerging risks in underwriting and client selectionDesired QualificationsUndergraduate degree in finance or accountingMBA or CFA preferredSkillsAttention to DetailCredit and Risk AssessmentFinancial AnalysisUnderwritingWritten CommunicationsAnalytical ThinkingCredit Documentation RequirementsFinancial Forecasting and ModelingRecording/Organizing InformationBusiness AcumenCollaborationCollateral ManagementLoan StructuringPrioritizationBank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates.Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment.Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work.This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.