Credit UW I, II and Senior

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<strong>Job Description:<br><br></strong>At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.<br><br>Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive and flexible benefits.<br><br>We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve.<br><br>Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs.<br><br>At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!<br><br><strong>Job Description:<br><br></strong>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 transactions or portfolios of limited to moderate complexity, 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.<br><br><strong>Responsibilities:<br><br></strong><ul><li>Manages a portfolio of clients supporting underwriting and/or monitoring requirements with limited to moderate complexity</li><li>Independently works with Relationship Management, and Risk teammates to understand structuring needs and requirements</li><li>Delivers financial modeling, loan structure, industry, economic, and other analyses to team members to support the loan decision-making process</li><li>Reviews work of junior teammates to provide feedback/coaching and ensure compliance with laws, rules, regulations and policy procedure</li><li>Has credit approval for certain credit actions</li><li>Leads loan structure conversations and completion of loan documentation with internal/external legal partners<br><br></li></ul><strong>Skills:<br><br></strong><ul><li>Attention to Detail</li><li>Credit and Risk Assessment</li><li>Financial Analysis</li><li>Underwriting</li><li>Written Communications</li><li>Analytical Thinking</li><li>Credit Documentation Requirements</li><li>Financial Forecasting and Modeling</li><li>Recording/Organizing Information</li><li>Business Acumen</li><li>Collaboration</li><li>Collateral Management</li><li>Loan Structuring</li><li>Prioritization<br><br></li></ul><strong>Required Qualifications:<br><br></strong><ul><li> 3+ years of solid experience in Commercial Banking (Middle Market or Large Corporate or Leveraged Finance) underwriting, performing financial analysis, structuring, and portfolio management</li><li> Strong communication and analytical/technical skills, including financial accounting, modeling and loan structuring.<br><br></li></ul><strong>Desired Qualifications: <br><br></strong><ul><li> Participate with RM or CO's to negotiate Credit Agreements & loan documents, as needed.</li><li> Be knowledgeable of the closing process & timeline for all types of loans (i.e. real estate, revolvers, etc.)</li><li> BA/BS Desired<br><br></li></ul><strong>Shift:<br><br></strong>1st shift (United States of America)<br><br><strong>Hours Per Week: <br><br></strong>40

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Common Interview Questions And Answers

1. HOW DO YOU PLAN YOUR DAY?

This is what this question poses: When do you focus and start working seriously? What are the hours you work optimally? Are you a night owl? A morning bird? Remote teams can be made up of people working on different shifts and around the world, so you won't necessarily be stuck in the 9-5 schedule if it's not for you...

2. HOW DO YOU USE THE DIFFERENT COMMUNICATION TOOLS IN DIFFERENT SITUATIONS?

When you're working on a remote team, there's no way to chat in the hallway between meetings or catch up on the latest project during an office carpool. Therefore, virtual communication will be absolutely essential to get your work done...

3. WHAT IS "WORKING REMOTE" REALLY FOR YOU?

Many people want to work remotely because of the flexibility it allows. You can work anywhere and at any time of the day...

4. WHAT DO YOU NEED IN YOUR PHYSICAL WORKSPACE TO SUCCEED IN YOUR WORK?

With this question, companies are looking to see what equipment they may need to provide you with and to verify how aware you are of what remote working could mean for you physically and logistically...

5. HOW DO YOU PROCESS INFORMATION?

Several years ago, I was working in a team to plan a big event. My supervisor made us all work as a team before the big day. One of our activities has been to find out how each of us processes information...

6. HOW DO YOU MANAGE THE CALENDAR AND THE PROGRAM? WHICH APPLICATIONS / SYSTEM DO YOU USE?

Or you may receive even more specific questions, such as: What's on your calendar? Do you plan blocks of time to do certain types of work? Do you have an open calendar that everyone can see?...

7. HOW DO YOU ORGANIZE FILES, LINKS, AND TABS ON YOUR COMPUTER?

Just like your schedule, how you track files and other information is very important. After all, everything is digital!...

8. HOW TO PRIORITIZE WORK?

The day I watched Marie Forleo's film separating the important from the urgent, my life changed. Not all remote jobs start fast, but most of them are...

9. HOW DO YOU PREPARE FOR A MEETING AND PREPARE A MEETING? WHAT DO YOU SEE HAPPENING DURING THE MEETING?

Just as communication is essential when working remotely, so is organization. Because you won't have those opportunities in the elevator or a casual conversation in the lunchroom, you should take advantage of the little time you have in a video or phone conference...

10. HOW DO YOU USE TECHNOLOGY ON A DAILY BASIS, IN YOUR WORK AND FOR YOUR PLEASURE?

This is a great question because it shows your comfort level with technology, which is very important for a remote worker because you will be working with technology over time...