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Bank of America GWIM Credit Underwriter (Charlotte/St. Louis/Phoenix/Los Angeles) in Charlotte, North Carolina

GWIM Credit Underwriter (Charlotte/St. Louis/Phoenix/Los Angeles)

Charlotte, North Carolina;Saint Louis, Missouri; Phoenix, Arizona; Los Angeles, California

Job Description:

Extends credit to and monitors loan portfolios of custom mortgage ultra high net worth clients. Works closely with private banking relationship managers in providing custom mortgage solutions to meet the client’s requirements or in reviewing credit standards. Possesses some loan approval authority. Three to five plus years of credit experience.

Performs all underwriting tasks for custom mortgage loan requests to ultra high net worth clients of Global Wealth and Investment Management, which includes US Trust Private Wealth Management and Merrill Lynch.

The position works closely with client teams and credit partners, completes customized credit approval packages, approval memos and other standard documents and manages the documentation process to ensure on-time loan booking.

The ideal candidate can analyze risks and identify mitigates, recommend risk ratings, exposure strategies, credit structures and sponsor recommendations through the approval process. This role interfaces with client teams, risk, residential real estate credit specialists, servicing and legal partners to support the timely delivery of the credit solutions.

Primary duties include underwriting and obtaining credit approval for custom mortgage loan products to clients of Global Wealth and Investment Management.

Required Skills:

• Analyze and spread personal financial information and tax returns and evaluate debt capacity

• Analyze due diligence including personal, legal and collateral-dependent

• Manage multiple deals simultaneously with different constituents depending on deal stage

Desired Skills:

• Bachelor’s degree in business administration, finance, accounting or economics preferred

• Formal credit training at a major US Financial Institution preferred

• 3-5 years of commercial credit experience


1st shift (United States of America)

Hours Per Week:


Learn more about this role

Full time


Manages People: No

Travel: No


Talent Acquisition Contact:

Referral Bonus:

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 and affirmative action, 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 "EEO is the Law" poster, CLICK HERE at https://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf .

To view the "EEO is the Law" Supplement, CLICK HERE at https://www.dol.gov/ofccp/regs/compliance/posters/pdf/OFCCPEEOSupplementFinalJRFQA508c.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.

To view Bank of America’s Drug-free workplace and alcohol policy, CLICK HERE .