Specialty (SBA) Credit Underwriter II/Specialty (SBA) Sr. Credit Underwriter

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. 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. 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. 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. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!

• →Analyze, underwrite, and approve credit solutions for existing and new clients; approve SBA requests in accordance with applicable credit approval grid
• →Conduct credit analysis including financial spreads, risk rating scorecards, industry assessment, business and personal cash flow; complete Credit Approval documentation
• →Evaluate credit worthiness and provide analysis and decisioning on whether a client should be approved for an SBA credit facility
• →Ensure underwriting complies with Bank credit policy and procedures and Small Business Administration SOP
• →Partner with Relationship Managers, Solution Advisors, Commercial Business Development Officers and Risk teammates to assess and deliver SBA credit solutions
• →Ensure data quality of credit related client and deal information
• →Mentor and assist junior team members as applicable

• Attention to Detail
• Credit and Risk Assessment
• Financial Analysis
• Underwriting
• Written Communications
• Analytical Thinking
• Credit Documentation Requirements
• Financial Forecasting and Modeling
• Recording/Organizing Information
• Business Acumen
• Collaboration
• Collateral Management
• Loan Structuring
• Prioritization

• Minimum of 5 years of commercial underwriting and credit analysis (Business Banking, Middle Market, Leveraged Finance, etc.)
• Minimum of 2 years of SBA lending experience preferred
• Formal commercial credit training or equivalent work experience
• Industry knowledge across multiple sectors
• Prior experience in a high volume production environment
• Superior teamwork skills in the commercial market space
• Strong communication skills; ability to communicate vertically, horizontally, and externally