Job Description: This job is responsible for the delivery of integrated credit solutions to clients as well as on-going portfolio management. Key responsibilities include underwriting and negotiating new transactions, partnering with client-facing teammates to consult on sales opportunities, and providing the product expertise to deliver effective client solutions. Job expectations include providing on-going monitoring of client portfolios, ensuring accurate and timely analysis of financial statements, assignment of risk ratings, and required client reviews. Evaluate and underwrite vendor program credit opportunities, including the identification and assessment of all strengths, weaknesses and risks (including operational) as well as identifying and describing mitigating factors. This includes underwriting both vendors and potential end-users/borrowers, including the review and written analysis of all factors that affect an entity’s ability to repay and/or service their obligations in a timely manner. The complexity of the entities and related transactions requiring analysis can vary over a wide spectrum of industries. The Credit Underwriter II uses their skill set to assess the appropriateness of existing solutions and to propose optimal financing alternatives or additional financing solutions. They are involved in managing credit quality and the approval process through their interaction with Risk Management Officers, GVF Marketing Officers, Credit Products Managers, Leasing Administration and Legal. Individuals in this role must be able to interact effectively in a team environment as well as work independently with minimal guidance and direction. The ability to efficiently multi-task, respond to shifting priorities, and be decisive are important keys to success. Job Description: This job is responsible for supporting credit underwriting and monitoring for new and existing clients in partnership with a credit team. Key responsibilities include independently managing low-complexity transactions or portfolios, completing and reviewing credit analysis, evaluating risks, and writing financial analysis. Job expectations include leading the process, ensuring timely and accurate analysis, and coaching teammates on credit requirements. Responsibilities: Manages the risk of a portfolio of assigned vendor programs, including the timely preparation of periodic program status reviews and annual program renewals. Evaluates new end-user credit opportunities including identification and assessment of risks and identifies mitigating factors Partners with client-facing teammates to consult on sales opportunities and provide the product expertise and consultation necessary to deliver the best possible solution to the client Underwrites new transactions, analyzes credit risk, negotiates and closes deals, while adhering to internal policy, procedures and regulatory requirements Structures the terms of a lease/loan with respect to the various aspects that make up a lease/loan (e.g. pricing, rates, payment, term, collateral) Includes reviewing and analyzing financial statements, and assigning and confirming the accuracy of risk ratings Skills: Manages the risk of a portfolio of assigned vendor programs, including the timely preparation of periodic program status reviews and annual program renewals. Evaluates new end-user credit opportunities including identification and assessment of risks and identifies mitigating factors Partners with client-facing teammates to consult on sales opportunities and provide the product expertise and consultation necessary to deliver the best possible solution to the client Underwrites new transactions, analyzes credit risk, negotiates and closes deals, while adhering to internal policy, procedures and regulatory requirements Structures the terms of a lease/loan with respect to the various aspects that make up a lease/loan (e.g. pricing, rates, payment, term, collateral) Includes reviewing and analyzing financial statements, and assigning and confirming the accuracy of risk ratings Required Qualifications: 3+ years of commercial credit underwriting ((Middle Market, Large Corporate, Leveraged Finance) and credit analysis experience Must have effective presentation, structuring, financial statement and risk analysis skills Desired Qualifications: Equipment leasing and finance experience Shift: 1st shift (United States of America) Hours Per Week: 40 Pay Transparency details US - IL - Chicago - 110 N Wacker Dr - Bank Of America Tower Chicago (IL4110) Pay and benefits information Pay range $87,000.00 - $200,000.00 annualized salary, offers to be determined based on experience, education and skill set. Discretionary incentive eligible This role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company. Benefits This role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve. Privacy Statement: https://careers.bankofamerica.com/en-us/privacy-notice 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! Partnering Locally Learn about some of the ways Bank of America is making a difference in the communities we serve. Global Impact Learn about the six areas that guide Bank of America’s efforts to help make financial lives better for customers, clients, communities and our teammates. Opportunity and Inclusion Each employee brings unique skills, background and opinions. We see opportunity and inclusion as our platform for innovation and a key component in our success. Our Values Learn about our four values that represent what we believe. Pay Transparency: https://careers.bankofamerica.com/en-us/pay-transparency

Credit Underwriter II or Senior - Global Vendor Finance.

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