Enterprise Credit Analyst

Bank of America

Bank of America

Santiago, Santiago Metropolitan Region, Chile · United States · Remote
Posted on Wednesday, June 19, 2024

Job Description:

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day.

One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We’re devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being.

Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization.

Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us!

Job Description:

Performs intensive qualitative and quantitative due diligence on industry and company factors. Analysts participate in the structuring, underwriting and documentation of credit facilities designed to meet both client and investor needs as well as balance the banks internal risk/return requirements. Research, write and present financial and industry analyses in support of company specific and portfolio level decisions. Evaluate transaction and relationship risk-adjusted profitability to facilitate the allocation of capital. Monitor all elements of the bank credit exposure to its clients across its international network, including periodically reassessing internally assigned risk ratings. Manage credit exposure associated with the bank broad range of products including Leasing, Commodities/Foreign Exchange, Derivatives, Treasury Management, Receivable Securitization Conduits, etc.


  • Be an active member of deal teams and engage proactively with relationship and product partners

  • Analyze clients’ businesses, their financial statements and due diligence materials

  • Prepare insightful detailed credit papers for new requests and ongoing portfolio monitoring purposes

  • Perform ongoing monitoring of clients and information flow associated with the portfolio

  • Supervise and provide developmental oversight to Analyst

  • Identify and escalate emerging risks

  • Understand and apply internal policy, procedures and regulatory requirements

  • Review various legal documents for relevant credit products

  • Successful candidate must be able to communicate effectively in constructing arguments to support recommendations to senior officers.

  • Credit Officers will also, on occasion, participate in client meetings.


  • Minimum 2 years of experience in banking and finance or related field

  • Sound commercial judgment and strong business acumen

  • Knowledge of credit products including loans, derivatives, trade finance, cash management

  • Ability to analyze financial statements, conduct due diligence and prepare credit proposals

  • Experience analyzing investment and sub-investment grade credit profiles and structures

  • Proactive - takes initiative and demonstrates ownership

  • Strong technical skills, including accounting and modeling in Excel

  • Strong written and verbal communication skills in English

  • Capability to build relationship both within the bank and with clients

  • Demonstrates intellectual curiosity and is focused on continuous learning and skill building

  • Ability to work independently and manage multiple complex tasks while delivering high quality results


  • Analytical Thinking

  • Financial Analysis

  • Financial Forecasting and Modeling

  • Profitability Analysis

  • Research Analysis

  • Attention to Detail

  • Business Acumen

  • Credit and Risk Assessment

  • Underwriting

  • Written Communications

  • Collaboration

  • Critical Thinking

  • Portfolio Analysis

  • Prioritization

  • Technical Documentation

What Bank of America Offers

Bank of America embodies a culture that extends from how we think, to how we behave, and to how we measure performance. By achieving excellence - in everything we do, every time we do it - we deliver the full value of Bank of America for our clients, our shareholders and our employees.

Bank of America places a high value on talent and on maintaining a culture defined by meritocracy. For these reasons, it is deeply committed to professional development, opportunity and accountability at all levels of the organization.

Bank of America is an Equal Opportunity Employer

Bank of America encourages applications from all qualified individuals. Applicants with disabilities may notify us of any accommodations needed to support your participation in the recruitment process. We wish to thank all applicants for their interest and effort in applying. Please be aware that only candidates selected for interviews will be contacted for this position.

Bank of America N.A. Member FDIC © 2024 Bank of America Corporation. All rights reserved.