Credit Analyst II – Asset Based Finance

Bank of America

. Analyzes client's financial performance by comparing it to past performance, projections, and industry standards .

Posted 5/21/2026full-timeCharlotte • North Carolina, Texas • 🇺🇸 United StatesJuniorWebsite

About the role

Key responsibilities & impact

Analyzes client's financial performance by comparing it to past performance, projections, and industry standards
Reviews financial statements, assesses the client's compliance with financial covenants, and renews risk ratings, while recommending changes as warranted
Assists in the underwriting, credit risk analysis, negotiation, and closing of new transactions or existing transactions, while adhering to all relevant policies and procedures
Evaluates transaction and relationship risk-adjusted profitability to facilitate the allocation of capital
Build projection models for the client (as needed) based on historical performance, industry forecasts, and other due diligence findings
Analyze client financial information to assess creditworthiness, identify and mitigate risks, evaluate collateral, and ensure compliance with regulatory requirements and internal credit policies
Perform ongoing monitoring activities, including analysis of client financial performance and collateral positions, to proactively identify risks and trends
Support loan structuring and execution by participating in discussions and assisting with the preparation and completion of loan documentation
Review client requests and credit submissions to ensure accuracy, completeness, and adherence to credit policies and procedures
Participate in client meetings and portfolio reviews to deepen understanding of the client’s business, management team, and performance, while supporting internal and regulatory use of credit data

Requirements

What you’ll need

1+ years of experience in credit analysis, underwriting support, or financial analysis
Basic understanding of financial statements, cash flow analysis, and credit risk concepts
Ability to complete routine credit analysis and monitoring tasks with accuracy and timeliness
Experience preparing or contributing to written financial or credit analysis documentation
Proficiency in Microsoft Excel and ability to work with financial data, financial modeling and reports
Bachelor’s degree in finance, Accounting, Economics, Business, or related field
Working knowledge of financial statements and cash flow analysis and credit risk fundamentals
Ability to complete routine credit and monitoring analyses independently with guidance on complex items
Experience preparing written credit analysis for approval and/or monitoring
Familiarity with commercial lending concepts, credit policy, and loan documentation

Benefits

Comp & perks

affordable, competitive and flexible benefits

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

credit analysisunderwriting supportfinancial analysisfinancial modelingcash flow analysisrisk assessmentfinancial statement reviewloan documentationcredit risk conceptsregulatory compliance

Soft Skills

attention to detailanalytical thinkingcommunicationproblem-solvingtime managementcollaborationindependenceaccuracyorganizational skillsclient relationship management