Credit Analyst II – Asset Based Finance, Product Delivery Portfolio

Bank of America

Credit Analyst II role at Bank of America analyzing and evaluating clients’ credit worthiness. Responsibilities include underwriting tasks and financial analysis for new lending opportunities.

Posted 8/1/2026full-timeCharlotte • North Carolina, Texas • 🇺🇸 United StatesJuniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit analysis and underwriting, with a strong ability to evaluate credit risks and analyze financial data. Proficient in preparing credit approval documentation and supporting stakeholders in transaction execution.

Highest-signal resume keywords

Credit AnalysisUnderwriting SupportFinancial AnalysisMicrosoft Excel ProficiencyAttention to Detail

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk EvaluationFinancial Statement AnalysisCash Flow AnalysisQuantitative Data AnalysisQualitative Data AnalysisCredit Approval DocumentationCovenant Compliance ReviewCollateral Documentation AnalysisRoutine Credit MonitoringAnalytical Skills

Soft Skills

Strong Attention to DetailEffective Communication

Industry Keywords

Credit WorthinessCredit Risk ConceptsFinancial DataClient FinancialsIndustry Data

About the role

Key responsibilities & impact

Analyzing and interpreting a client's credit worthiness
Evaluating credit risks
Writing credit approval memos for annual renewals and new lending opportunities
Completing regular monitoring and underwriting tasks
Supporting key internal stakeholders to achieve successful execution of new transactions
Independently analyzing both qualitative and quantitative data, including client financials, projections, industry data, covenant compliance, and collateral documentation

Requirements

What you’ll need

Minimum of 1 year 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 and reports
Strong attention to detail and analytical skills

Benefits

Comp & perks

affordable, competitive and flexible benefits
support for teammates’ physical, emotional, and financial wellness