Credit Analyst I Boston, Massachusetts;Dallas, Texas **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (https://ghr.wd1.myworkdayjobs.com/Lateral-US/job/Boston/Credit-Analyst-I\_25043123) **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. 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 Description:** This job is responsible for managing credit activities to support underwriting of commercial credit clients (e.g., financial spreading, risk rating scorecard, covenant tests). Key responsibilities include analyzing ongoing credit and escalating to the credit team as appropriate. The Enterprise Credit Subsidiary Lending Group (EC SLG) is a globally distributed team responsible for the independent credit administration of local subsidiaries of multinational clients. Operating across 12 countries and 3 regions, EC SLG plays a critical role in supporting the Global Subsidiary Banking (GSB) business by ensuring local credit processes are executed with precision and in alignment with jurisdictional requirements. **Responsibilities:** + Analyzes financial statements and summarizes existing client's performance via periodic risk profile reviews + Partners with credit and client teams both within Centralized and Regional Credit Lines of Business + Manages risk through accurate financial spreading, risk rating, and covenant test calculations + Expands expertise by reviewing policy and procedure thoroughly and actively participating in continuing education sessions + Collaborates with peers to manage optimal workflow + Identifies and escalates process breakdowns + Independently administer a portfolio of subsidiary clients, facilitating credit solutions tailored to their needs + Prepare, review, and coordinate loan agreements and uncommitted facility letters + Oversee all monitoring and maintenance activities for assigned accounts, ensuring compliance and performance + Serve as a direct liaison with internal teams (including subsidiary banking) and external clients + Drive credit transactions to completion efficiently and within required timelines + Ensure data accuracy, completeness, and timeliness across all key systems and documentation + Complete Trade Operations Datasheets and MOFs; manage auto-extension of Letters of Credit + Strategic contributor to the growth of the Enterprise Credit Subsidiary Lending business **Required Qualifications** : + Minimum of 3 + yrs loan closing experience or portfolio management & loan servicing experience within corporate banking **Desired Qualifications:** + Bachelor’s degree or equivalent and/or track record of relevant experience + Proven background in Credit or Operations, with knowledge of Corporate Banking products and services + Experience interpreting loan agreements and related financial documentation + Prioritization **Skills:** + Credit Documentation Requirements + Credit and Risk Assessment + Critical Thinking + Financial Analysis + Prioritization + Attention to Detail + Business Acumen + Decision Making + Financial Forecasting and Modeling + Written Communications + Analytical Thinking + Client Management + Collateral Management + Recording/Organizing Information + Underwriting **Minimum Education Requirement:** High School Diploma / GED / Secondary School or equivalent **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. To view the "Know your Rights" poster, CLICK HERE (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12.pdf) . View the LA County Fair Chance Ordinance (https://dcba.lacounty.gov/wp-content/uploads/2024/08/FCOE-Official-Notice-Eng-Final-8.30.2024.pdf) . Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy (“Policy”) establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. 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. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank’s required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.