Bank of America
Sr Credit Underwriter - Commercial Credit (Agriculture/Food products)
Bank of America, Saint Louis, Missouri, United States, 63146
About Us
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates’ physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in‑office culture with specific requirements for office‑based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role‑specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
Job Summary This job is responsible for performing risk assessment and repayment capacity analysis (i.e., financial, borrower, industry, etc.) and preparing transaction justification for moderately complex/complex transactions with limited oversight. Key responsibilities include documenting credit analysis, independently assessing historic and projected borrower financial information, evaluating adherence to policy and procedure, providing loan structure analysis and recommendations, and monitoring portfolio performance. We are seeking a detail‑oriented and experienced Credit Underwriter with specialized knowledge in agriculture and food products lending. This role is responsible for evaluating credit risk and underwriting commercial loans within the agribusiness sector, including producers, processors, distributors, and retailers of agricultural commodities and food products.
Responsibilities
Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facility
Partners with Credit Officers, Relationship Management, and Risk teammates to assess and deliver credit solutions
Monitors the client’s operating performance and financial condition, proactively identifying issues and opportunities
Delivers financial modeling, loan structure, industry, economic, and other analysis to team members to support the loan decision‑making process
Ensures adherence to credit policies, guidelines, procedures, and applicable regulatory requirements
Analyze financial statements, cash flow projections, and industry trends specific to agriculture and food‑related businesses
Maintain up‑to‑date knowledge of market conditions, commodity pricing, and regulatory developments affecting agribusiness lending
Escalates and debates deteriorating assets in partnership with the Special Assets Group and Risk as appropriate
Participates in Regional and Market meetings to communicate credit delivery best practices and results
Participate with RM or CO’s to negotiate Credit Agreements & loan documents, as needed
Required Qualifications
5-7 plus years of solid experience in Commercial Banking performing financial analysis, structuring, underwriting and portfolio management, preferably with prior credit approval authority
Strong communication and analytical/technical skills, including financial accounting, modeling and loan structuring
Formal commercial credit training OR equivalent work experience
Prior experience in a high‑volume production environment
Desired Qualifications
Knowledgeable of the closing process & timeline for all types of loans (i.e., real estate, revolvers, etc.)
Prior leadership and credit management experience
Superior teamwork skills in the commercial market space
Bachelor’s degree, Master’s Degree preferred, in business administration, finance, accounting or economics
Skills
Attention to Detail
Credit and Risk Assessment
Financial Analysis
Underwriting
Written Communications
Analytical Thinking
Credit Documentation Requirements
Financial Forecasting and Modeling
Recording/Organizing Information
Business Acumen
Collaboration
Collateral Management
Loan Structuring
Prioritization
Minimum Education Requirement High School Diploma / GED / Secondary School or equivalent
Shift 1st shift (United States of America)
Hours Per Week 40
Pay Transparency details US - NY - Elma - 611 Jamison Rd - (NY7507) Pay and benefits information Pay range $98,000.00 - $162,500.00 annualized salary, offers to be determined based on experience, education and skill set. Discretionary incentive eligible This role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company. Benefits This role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.
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Job Summary This job is responsible for performing risk assessment and repayment capacity analysis (i.e., financial, borrower, industry, etc.) and preparing transaction justification for moderately complex/complex transactions with limited oversight. Key responsibilities include documenting credit analysis, independently assessing historic and projected borrower financial information, evaluating adherence to policy and procedure, providing loan structure analysis and recommendations, and monitoring portfolio performance. We are seeking a detail‑oriented and experienced Credit Underwriter with specialized knowledge in agriculture and food products lending. This role is responsible for evaluating credit risk and underwriting commercial loans within the agribusiness sector, including producers, processors, distributors, and retailers of agricultural commodities and food products.
Responsibilities
Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facility
Partners with Credit Officers, Relationship Management, and Risk teammates to assess and deliver credit solutions
Monitors the client’s operating performance and financial condition, proactively identifying issues and opportunities
Delivers financial modeling, loan structure, industry, economic, and other analysis to team members to support the loan decision‑making process
Ensures adherence to credit policies, guidelines, procedures, and applicable regulatory requirements
Analyze financial statements, cash flow projections, and industry trends specific to agriculture and food‑related businesses
Maintain up‑to‑date knowledge of market conditions, commodity pricing, and regulatory developments affecting agribusiness lending
Escalates and debates deteriorating assets in partnership with the Special Assets Group and Risk as appropriate
Participates in Regional and Market meetings to communicate credit delivery best practices and results
Participate with RM or CO’s to negotiate Credit Agreements & loan documents, as needed
Required Qualifications
5-7 plus years of solid experience in Commercial Banking performing financial analysis, structuring, underwriting and portfolio management, preferably with prior credit approval authority
Strong communication and analytical/technical skills, including financial accounting, modeling and loan structuring
Formal commercial credit training OR equivalent work experience
Prior experience in a high‑volume production environment
Desired Qualifications
Knowledgeable of the closing process & timeline for all types of loans (i.e., real estate, revolvers, etc.)
Prior leadership and credit management experience
Superior teamwork skills in the commercial market space
Bachelor’s degree, Master’s Degree preferred, in business administration, finance, accounting or economics
Skills
Attention to Detail
Credit and Risk Assessment
Financial Analysis
Underwriting
Written Communications
Analytical Thinking
Credit Documentation Requirements
Financial Forecasting and Modeling
Recording/Organizing Information
Business Acumen
Collaboration
Collateral Management
Loan Structuring
Prioritization
Minimum Education Requirement High School Diploma / GED / Secondary School or equivalent
Shift 1st shift (United States of America)
Hours Per Week 40
Pay Transparency details US - NY - Elma - 611 Jamison Rd - (NY7507) Pay and benefits information Pay range $98,000.00 - $162,500.00 annualized salary, offers to be determined based on experience, education and skill set. Discretionary incentive eligible This role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company. Benefits This role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.
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