Credit Analyst I

Credit Analyst I

This job is responsible for managing credit activities to support underwriting of commercial credit clients. Key responsibilities include analyzing ongoing credit and escalating to the credit team as appropriate. The Enterprise Credit Subsidiary Lending Group is a globally distributed team responsible for the independent credit administration of local subsidiaries of multinational clients. Operating across 12 countries and 3 regions, EC SLG plays a critical role in supporting the Global Subsidiary Banking business by ensuring local credit processes are executed with precision and in alignment with jurisdictional requirements.

Responsibilities

• Analyzes financial statements and summarizes existing client's performance via periodic risk profile reviews
• Partners with credit and client teams both within Centralized and Regional Credit Lines of Business
• Manages risk through accurate financial spreading, risk rating, and covenant test calculations
• Expands expertise by reviewing policy and procedure thoroughly and actively participating in continuing education sessions
• Collaborates with peers to manage optimal workflow
• Identifies and escalates process breakdowns
• Independently administers a portfolio of subsidiary clients, facilitating credit solutions tailored to their needs
• Prepares, reviews, and coordinates loan agreements and uncommitted facility letters
• Oversees all monitoring and maintenance activities for assigned accounts, ensuring compliance and performance
• Serves as a direct liaison with internal teams and external clients
• Drives credit transactions to completion efficiently and within required timelines
• Ensures data accuracy, completeness, and timeliness across all key systems and documentation
• Completes Trade Operations Datasheets and MOFs; manages auto-extension of Letters of Credit
• Strategic contributor to the growth of the Enterprise Credit Subsidiary Lending business

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.

Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment.