Saint Louis, Louisiana, United States · Hybrid
Job Description: 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, t…
Skills: Credit analysis, Financial statement analysis, Underwriting, Risk rating, Commercial loan structures
Miami, Florida, United States · Hybrid
Job Description: 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, t…
Skills: Advisory, Client investments management, Customer and client focus, Investment management, Presentation skills
Birmingham, Alabama, United States · Hybrid
Job Description: Merrill Wealth Management is a leading provider of comprehensive wealth management and investment products and services for individuals, companies, and institutions. Merrill Wealth Management is one of t…
Skills: Account Management, Client Management, Customer Service, Issue Management, Oral Communications
New York, New York, United States · Hybrid
$95k–$121k/yr
Job Description: 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, t…
Skills: Executive protection, Threat assessment, Risk management, Security planning, Crisis response
Fort Worth, Texas, United States · On-site
Job Description: 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, t…
Skills: Client Focus, Sales, Relationship Management, Financial Services, Communication
Chicago, Illinois, United States · Hybrid
$90k–$110k/yr
Job Description: 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, t…
Skills: Consultative sales, Financial analysis, Relationship management, Cash flow analysis, Prospecting
Birmingham, Alabama, United States · Hybrid
Job Description: Merrill Wealth Management is a leading provider of comprehensive wealth management and investment products and services for individuals, companies, and institutions. Merrill Wealth Management is one of t…
Skills: Account Management, Client Management, Customer Focus, Issue Management, Oral Communications
Cleveland, Ohio, United States · On-site
$26/hr–$32/hr
Job Description: 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, t…
Skills: Active Listening, Business Acumen, Customer Focus, Oral Communications, Problem Solving
Columbus, Ohio, United States · On-site
$26/hr–$32/hr
Job Description: 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, t…
Skills: Active Listening, Business Acumen, Customer Focus, Oral Communications, Problem Solving
Atlanta, Georgia, United States · Hybrid
Job Description: 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, t…
Skills: Coaching, Customer service, Management, Performance management, Talent development
Pennington, Alabama, United States · Hybrid
$70k–$106k/yr
Job Description: 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, t…
Skills: Client management, Customer service, Communication, Multitasking, Organizational skills
Farmington Hills, Michigan, United States · Hybrid
Job Description: 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, t…
Skills: Business development, Client experience, Branding, Client management, Client solutions
Atlanta, Georgia, United States · Hybrid
$90k–$155k/yr
Job Description: 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, t…
Skills: Quantitative modeling, Python, SQL, Risk management, Data analysis
Jacksonville, Florida, United States · Hybrid
Job Description: 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, t…
Skills: Account Management, Business Development, Client Solutions Advisory, Portfolio Management, Relationship Building
Charleston, South Carolina, United States · Hybrid
Job Description: 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, t…
Skills: Active Listening, Adaptability, Attention to Detail, Emotional Intelligence, Prioritization
Newark, New Jersey, United States · Hybrid
$84k–$122k/yr
Job Description: 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, t…
Skills: Financial Analysis, Financial Forecasting, Data Analysis, Accounting, Attention to Detail
Chicago, Illinois, United States · Hybrid
$133k–$235k/yr
Job Description: 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, t…
Skills: Treasury Management, Sales Strategy, Business Development, Relationship Management, Financial Acumen
Chicago, Illinois, United States · Hybrid
$109k–$136k/yr
Job Description: 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, t…
Skills: Treasury Management, Business Development, Sales Execution, Payments, Receivables
Falmouth, Massachusetts, United States · On-site
$25/hr–$26/hr
Job Description: 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, t…
Skills: Relationship Building, Customer Service, Cash Handling, Sales, Problem Solving
Tacoma, Washington, United States · Hybrid
$32/hr–$42/hr
Job Description: 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, t…
Skills: Sales support, Client management, Know your customer, Operational risk, Compliance
Saint Louis, Louisiana, United States • Hybrid
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The specialist is responsible for supporting underwriting and ongoing monitoring of new and existing client credit requests. This includes performing independent financial analysis, risk rating, and ensuring compliance with regulatory and internal policy requirements.
Candidates must have 3-5 years of experience in credit analysis or a related financial risk role with proficiency in commercial loan documentation. A high school diploma or equivalent is the minimum education requirement, with a bachelor's degree in Accounting or Finance being desired.
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!
Job Description:
This job is responsible for partnering with a credit team to support underwriting and ongoing monitoring for new and existing clients. Key responsibilities include preparing and reviewing credit analysis to assess creditworthiness and risk, using multiple tools and systems to support underwriting/monitoring, and drafting financial analysis for approval and monitoring materials. Job expectations include independent analysis of qualitative and quantitative data, including financial statements, projections, industry data, covenant compliance, collateral documentation, and policy requirements.
The Financial Analysis & Monitoring Specialist (“FAM Specialist ”) is responsible for the timely completion of accurate financial statement spreads and risk ratings in support of underwriting new credit requests, renewals, and traditional portfolio monitoring. The Specialist will also perform annual reviews on client relationships in alignment with Business Unit policy and procedures.
Analyzes client financial information, preparation of financial projections identification/mitigation of potential risks, compliance with regulatory requirements and evaluation of collateral in determination of credit worthiness
Participates in loan structure conversations and completion of loan documentation
Completes monitoring activities via analysis of clients’ financial performance and collateral evaluation to ensure appropriate requirements are met
Participate in client meetings to develop a deeper understanding of the client's business, management team, and past and future performance, and review completed requests to ensure compliance with policy and procedures
Understands how credit data is used internally and provided to regulatory partners
Participates in periodic portfolio reviews
Reviews work of junior teammates to provide feedback/coaching and ensure compliance with laws, rules, regulations and policy / procedure
Spread and analyze complex financial information, including Personal Financial Statements, Brokerage statements, Personal Tax Returns and Schedule K-1s, Business financials, etc. for high-net-worth clients.
Accurately risk rate clients using regulatory definitions, good credit judgement and the Risk Rating Scorecard tool.
Understand and leverage tools, systems, and applications used in day-to-day functions such as Excel, Outlook, GUS, Loan IQ, EDR, Risk Rating Scorecard, etc.
Experience: 3 – 5 years in credit analysis, accounting, financial analysis, or a closely related credit risk role, including financial covenant testing and the ability to interpret and apply Commercial credit agreement terminology and concepts.
Policies and Procedures: 2+ years of credit analysis experience with Commercial credit policies and procedures
Technical Skills: Proficient in interpreting various Commercial loan documents.
Credit Analysis: Strong working knowledge of commercial loan structures and financial statement analysis, including personal financial statements, brokerage statements, rent rolls, and NOI statements; ability to identify and escalate early signs of credit deterioration, within the Commercial credit structure.
Operational Support: Exposure to GMS/Tableau reporting, documentation management, and process improvement.
Project Coordination: Capable of independently running analysis on credit supported small projects and streamlining team operations.
Systems Knowledge: Working proficiency with Commercial loans, collateral, client data and workflow systems along with SharePoint, and Adobe Acrobat.
Bachelor's degree in Accounting, Finance or equivalent experience
System knowledge of LIQ, PACE, GMS, GUS, EDR, Genesis, Image Trust, Navigator, SharePoint, KYC, Adobe Acrobat Standard
Attention to Detail
Client Management
Decision Making
Underwriting
Credit Documentation Requirements
Critical Thinking
Portfolio Management
Problem Solving
Written Communications
Financial Analysis
Negotiation
Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent
Bank of America is one of the world's largest financial institutions, serving individuals, small- and middle-market businesses and large corporations with a full range of banking, investing, asset management and other financial and risk management products and services. The company serves approximately 56 million U.S. consumer and small business relationships. It is among the world's leading wealth management companies and is a global leader in corporate and investment banking and trading. This LinkedIn company page is moderated. For more information, please visit: https://bit.ly/32FDdQr. For account issues, please visit: https://bit.ly/2GeTIeP.
Offices: 100 North Tryon Street, Charlotte, NC 28202, US · 16001 Dallas Pkwy, Addison, TX 75001, US · 3123 N Scottsdale Rd, Scottsdale, AZ 85251, US · 135 S La Salle St, Chicago, IL 60603, US · 500 W 7th St, Fort Worth, TX 76102, US
Bank of America is one of the world's largest financial institutions, serving individuals, small- and middle-market businesses and large corporations with a full range of banking, investing, asset management and other financial and risk management products and services. The company serves approximately 56 million U.S. consumer and small business relationships. It is among the world's leading wealth management companies and is a global leader in corporate and investment banking and trading. This LinkedIn company page is moderated. For more information, please visit: https://bit.ly/32FDdQr. For account issues, please visit: https://bit.ly/2GeTIeP.
Offices: 100 North Tryon Street, Charlotte, NC 28202, US · 16001 Dallas Pkwy, Addison, TX 75001, US · 3123 N Scottsdale Rd, Scottsdale, AZ 85251, US · 135 S La Salle St, Chicago, IL 60603, US · 500 W 7th St, Fort Worth, TX 76102, US
