# Credit Underwriter II - Commercial Real Estate Banking

[Bank of America](https://www.jorb.ai/firms/bank-of-america.md) · New York · United States · [Corporate, Commercial & Institutional Banking](https://www.jorb.ai/jobs/corporate-commercial-institutional-banking.md)

Bank of America is hiring a Credit Underwriter II - Commercial Real Estate Banking in New York. Posted 2026-06-15; applications close 2026-08-14.

**Apply**: https://ghr.wd1.myworkdayjobs.com/Lateral-US/job/New-York/Credit-Underwriter-II---Commercial-Real-Estate-Banking_26020596-2

Posted 6d ago.

## Role details

## 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. We are committed to creating a Great Place to Work with a culture of caring, fostering an inclusive workplace, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive, and flexible benefits. We value diverse perspectives and experiences, and we support collaboration, engagement, and career development in an in-office culture with role-appropriate flexibility. Join us to learn, grow, and make an impact.

## Responsibilities

  
- Evaluates new end-user credit opportunities, identifies risks, and determines mitigating factors
  
- Consults with client-facing teammates on sales opportunities and provides product expertise to deliver optimal client solutions
  
- Underwrites new transactions, analyzes credit risk, negotiates and closes deals in compliance with internal policies, procedures, and regulatory requirements
  
- Structures lease/loan terms, including pricing, rates, payment schedules, term, and collateral
  
- Manages the credit process for a portfolio of clients, including financial statement review, covenant compliance assessment, risk rating accuracy, and recommending changes as needed
  
- Leads underwriting of secured and unsecured transactions for Commercial Real Estate clients, including construction and term debt, tax credit equity investments, revolvers, bridge financing, warehouse lines, and subscription lines
  
- Performs due diligence, prepares approval documents, obtains timely loan approvals, and participates in loan closings
  
- Collaborates with clients, relationship teams, and product partners to facilitate timely and client-centric loan closings
  
- Leads end-to-end processes for loan modifications and extensions, including structuring, due diligence, approval, and closing
  
- Completes Scheduled Exposure Reviews (SERs) and Risk Rating Scorecards for adversely rated loans and presents SERs at quarterly meetings

## Required Qualifications

  
- 1–3 years in a Commercial Real Estate credit-related role with risk assessment experience
  
- Loan structuring, financial analysis, underwriting, and deal structuring for borrowers
  
- Strong negotiation and communication skills with the ability to interact effectively with internal and external stakeholders
  
- Proven ability to analyze, interpret, and negotiate third-party documentation
  
- Ability to identify trends and emerging risks in underwriting and client selection
  
- Strong knowledge of loan and collateral documentation
  
- Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint)

## Desired Qualifications

  
- 5+ years in a Commercial Real Estate credit role
  
- Undergraduate degree in finance, accounting, or a related field

## Skills

  
- Adaptability
  
- Attention to Detail
  
- Data Collection and Entry
  
- Prioritization
  
- Recording/Organizing Information
  
- Analytical Thinking
  
- Critical Thinking
  
- Issue Management
  
- Oral & Written Communications
  
- Problem Solving
  
- Due Diligence
  
- Collateral Management
  
- Interpret Relevant Laws, Rules, and Regulations
  
- Legal Structures and Legal Forms
  
- Loan Structuring

## Shift

1st shift (United States of America)

## Hours Per Week

40

## Pay Transparency details

US - NY - New York - ONE BRYANT PARK - BANK OF AMERICA TOWER (NY1100)

## Pay and Benefits Information

Pay range: $103,000.00 - $141,000.00 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 overall individual performance results, 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, paid time off, resources, and support to our employees to help them make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.

## Applying to this role

This Credit Underwriter II - Commercial Real Estate Banking role at Bank of America runs through the firm's own careers portal and expects a CV and cover letter written specifically for the posting, not a portable submission carried across firms. Jorb AI's application agent tailors a CV and cover letter from your background to this posting and tracks the role alongside the rest of your applications.

[Tailor this application](https://www.jorb.ai/signup?ref=job-atom&firm=bank-of-america&job=6a305a7f16fba07914350e8d)

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Updated: 2026-06-21
Canonical: https://www.jorb.ai/jobs/6a305a7f16fba07914350e8d