Commercial Credit Analyst I, II, III

Bank of America

Commercial Credit Analyst supporting Bank of America’s commercial lending underwriting and monitoring. Analyzing financials, risks, collateral, covenants, and client performance.

Posted 8/4/2026full-timeLos Angeles • California • 🇺🇸 United StatesJunior💰 $74,000 - $84,100 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in credit underwriting and risk assessment, with strong capabilities in financial analysis and understanding of financial accounting principles. Proficient in managing credit activities and collaborating with cross-functional teams to ensure compliance and optimal workflow.

Highest-signal resume keywords

Credit And Risk AssessmentFinancial AnalysisCredit Documentation RequirementsAnalytical ThinkingClient Management

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit UnderwritingFinancial SpreadingRisk Rating ScorecardsCovenant TestsFinancial Statement Analysis

Soft Skills

Critical ThinkingPrioritizationAttention To DetailWritten CommunicationsBusiness Acumen

Industry Keywords

Commercial CreditRisk Profile ReviewsCovenant CompliancePolicy Requirements

About the role

Key responsibilities & impact

Facilitate parts of credit underwriting and monitoring for new and existing commercial credit clients
Complete credit analysis and evaluate risks
Write financial analyses using various tools and systems
Analyze financial statements, projections, industry data, covenant compliance, collateral, and policy requirements
Manage credit activities supporting commercial credit underwriting, including financial spreading, risk rating scorecards, and covenant tests
Analyze ongoing credit and escalate issues to the credit team as appropriate
Summarize existing client performance through periodic risk profile reviews
Partner with credit and client teams within Centralized and Regional Credit Lines of Business
Collaborate with peers to manage optimal workflow
Identify and escalate process breakdowns

Requirements

What you’ll need

High School Diploma / GED / Secondary School or equivalent required
1–3 years of relevant work experience as an alternative to the preferred BA/BS degree
Credit and risk assessment
Financial analysis
Understanding of financial accounting principles
Credit documentation requirements
Critical thinking
Prioritization and attention to detail
Business acumen and decision making
Written communications
Client management
Recording and organizing information
Analytical thinking

Benefits

Comp & perks

Competitive and flexible benefits
Support for physical, emotional, and financial wellness
Paid time off
Annual discretionary incentive plan eligibility
Benefits eligibility
Opportunities to learn, grow, and build a career
Continuing education sessions
Inclusive workplace and career development support