Bank of America bank ishi, moliya va fintech sohalarida faoliyat yurituvchi global moliyaviy tashkilotdir. Uning xizmatlari jismoniy shaxslar uchun bank xizmatlari, kichik biznesni qo‘llab-quvvatlash, boyliklarni boshqarish, investitsiya xizmatlari hamda jismoniy shaxslar, bizneslar va muassasalar uchun kapital bozorlariga kirishni o‘z ichiga oladi. Kompaniya, shuningdek, barqaror moliyalashtirish, xilma-xillik tashabbuslari va jamoatchilikni rivojlantirish dasturlari orqali mas’uliyatli o‘sishga e’tibor qaratadi.
Credit Analyst II, Asset-Based Finance – Bank of America, Charlotte
Bank of America seeks a Credit Analyst II to assess client financials, collateral, credit risk, and profitability for its asset-based finance portfolio. The role supports underwriting, portfolio monitoring, loan execution, and regulatory compliance in Charlotte.
Tavsif
- Assess client creditworthiness and identify related credit risks
- Prepare credit approval memoranda for annual renewals and prospective lending opportunities
- Review client financial statements, projections, industry information, covenant compliance, collateral records, and appraisals
- Perform recurring credit monitoring and underwriting activities
- Identify and address potential risks while maintaining compliance with regulatory requirements and internal policies
- Attend client meetings to develop an understanding of the business, management team, and financial performance
- Check client requests and credit submissions for accuracy, completeness, and policy compliance
- Contribute to periodic portfolio assessments
- Take part in loan structuring discussions and support loan documentation activities
- Assess transaction and relationship risk-adjusted profitability to inform capital allocation
- Develop client projection models using historical results, industry forecasts, and due diligence findings when needed
- Help execute new transactions and support internal and regulatory use of credit information
Talablar
- At least one year of experience in credit analysis, underwriting support, or financial analysis
- Foundational knowledge of financial statements, cash flow analysis, and credit risk principles
- Ability to perform routine credit analysis and monitoring accurately and on schedule
- Experience preparing or supporting written financial or credit analysis materials
- Proficiency with Microsoft Excel and financial data and reporting
- Strong analytical ability and close attention to detail
- Clear and effective written communication skills
- Ability to manage multiple assignments and collaborate effectively within a team
- Bachelor’s degree in finance, accounting, economics, business, or a related discipline is preferred
- Working knowledge of financial statements, cash flow analysis, and core credit risk concepts
- Familiarity with commercial lending, credit policies, and loan documentation
Imtiyozlar
- Access to affordable, competitive, and flexible benefits
- Resources supporting physical, emotional, and financial well-being
- Opportunities for learning, professional growth, and meaningful contribution
- Inclusive workplace and career development opportunities