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Job Description
What role you will play in team: You will assess creditworthiness of commercial loan applicants, minimizing risk for the bank while supporting business growth.
What you will do: You will analyze financial statements, assess credit risk, and prepare credit reports for loan approval committees.
Key responsibility:
- Analyze financial statements of commercial loan applicants.
- Assess credit risk and develop credit scoring models.
- Prepare credit reports and presentations for loan committees.
- Negotiate loan terms and conditions with borrowers.
- Monitor loan performance and manage credit risk.
- Stay up-to-date with industry trends and credit risk management best practices.
Required Qualification and Skills:
- Bachelor's degree in Finance, Accounting, or Economics.
- 2-4 years of experience in credit analysis (commercial lending).
- Strong understanding of financial statements and credit analysis techniques.
- Proficiency in Microsoft Excel and financial modeling.
- Excellent analytical and communication skills.
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Benefits Included:
- Competitive salary and benefits package.
- Opportunities for career growth within a leading global bank.
- Comprehensive training and development programs.
- Comprehensive health insurance.
- Paid time off.
A Day in the Life: A typical day involves reviewing financial statements, assessing risk, preparing reports, and collaborating with other teams to manage commercial loan portfolios.
Skills
Credit AnalysisCommercial LendingFinancial Statement AnalysisRisk AssessmentCredit ScoringExcelIf an employer asks you to pay any kind of fee, please notify us immediately. Jobaaj does not charge any fee from the applicants and we do not allow other companies also to do so.
About Company
Bank of America is one of the world’s largest financial institutions, serving individual consumers, small and middle‑market businesses, and large corporations with a full range of banking, investing, asset management, and risk management products. Headquartered in Charlotte, North Carolina, the bank operates in more than 35 countries and provides access to over 140 currencies.
In 2008, Bank of America acquired Merrill Lynch, one of the most respected names in investment banking and wealth management. Following the acquisition, the investment banking and markets division operated as Bank of America Merrill Lynch (BAML) until 2019, when it was rebranded as BofA Securities, while the wealth management business continues under the Merrill brand. This integration strengthened the bank’s global presence in capital markets, advisory, and private wealth.
In India, Bank of America has been present since 1964, with branches in Mumbai, New Delhi, Chennai, Bengaluru, and Kolkata, and large Global Capability Centers in Gurugram, Hyderabad, Chennai, and Mumbai. The India teams deliver corporate & investment banking, markets, treasury, and technology solutions to clients worldwide, while also supporting the bank’s global operations.
Bank of America offers career opportunities in finance, technology, operations, risk, and analytics, attracting professionals who value innovation, client focus, and global collaboration. The firm is recognised for its sustainability initiatives, diversity & inclusion programs, and community engagement in India.
Important dates & deadlines?
Application Deadline
21 Jul 25, 11:05 AM IST
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Credit Analyst - Commercial Lending
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