Sr Credit Underwriter - Commercial Credit (Agriculture / Food products)

Sr Credit Underwriter - Commercial Credit (Agriculture / Food Products)

This job is responsible for performing risk assessment and repayment capacity analysis (i.e., financial, borrower, industry, etc.) and preparing transaction justification for moderately complex / 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. We are seeking a detail-oriented and experienced Credit Underwriter with specialized knowledge in agriculture and food products lending. This role is responsible for evaluating credit risk and underwriting commercial loans within the agribusiness sector, including producers, processors, distributors, and retailers of agricultural commodities and food products.

Responsibilities :

• Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facility
• Partners with Credit Officers, Relationship Management, and Risk teammates to assess and deliver credit solutions
• Monitors the client's operating performance and financial condition, proactively identifying issues and opportunities
• Delivers financial modeling, loan structure, industry, economic, and other analysis to team members to support the loan decision-making process
• Ensures adherence to credit policies, guidelines, procedures, and applicable regulatory requirements
• Analyzes financial statements, cash flow projections, and industry trends specific to agriculture and food-related businesses
• Maintains up-to-date knowledge of market conditions, commodity pricing, and regulatory developments affecting agribusiness lending
• Escalates and debates deteriorating assets in partnership with the Special Assets Group and Risk as appropriate
• Participates in Regional and Market meetings to communicate credit delivery best practices and results
• Participates with RM or CO's to negotiate Credit Agreements & loan documents, as needed

Required Qualifications :

Desired Qualifications :

Skills :

Minimum Education Requirement : High School Diploma / GED / Secondary School or equivalent

Shift : 1st shift (United States of America)

Hours Per Week : 40

Bank 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.