Bank of America · 2 weeks ago
Credit Analyst III- FAM Specialist
St Louis, MO
Full-time
Onsite
Mid Level
3+ years expBank of America is committed to helping make financial lives better through responsible growth and exceptional talent development. The Credit Analyst III- FAM Specialist manages a portfolio of asset-based structured loans, conducts financial analysis, and ensures accurate financial statement spreads and risk ratings to support credit underwriting and portfolio monitoring.
Asset ManagementBankingFinanceFinancial ServicesFinTech
Responsibilities
Build trust and strong relationships and proactively drive engagement with Underwriting, Credit Executive and Client team partners
Spread and analyze complex financial information, including Personal Financial Statements, Brokerage statements, Personal Tax Returns and Schedule K-1s, Business financials, etc. for high-net-worth clients
Accurately risk rate clients using regulatory definitions, good credit judgement and the Risk Rating Scorecard tool
Effectively and concisely communicate spreading and risk ratings outcomes with key business partners
Understand and leverage tools, systems, and applications used in day-to-day functions such as Excel, Outlook, GUS, Loan IQ, EDR, Risk Rating Scorecard, etc
Understand and accurately apply risk rating scorecard and spreading guidance
Qualification
Required
Experience: 3–5 years in credit analysis, accounting, financial analysis, or a closely related credit risk role, including financial covenant testing and the ability to interpret and apply Commercial credit agreement terminology and concepts
Policies and Procedures: 2+ years of credit analysis experience with Commercial credit policies and procedures
Technical Skills: Proficient in interpreting various Commercial loan documents
Credit Analysis: Strong working knowledge of commercial loan structures and financial statement analysis, including personal financial statements, brokerage statements, rent rolls, and NOI statements; ability to identify and escalate early signs of credit deterioration, within the Commercial credit structure
Operational Support: Exposure to GMS/Tableau reporting, documentation management, and process improvement
Project Coordination: Capable of independently running analysis on credit supported small projects and streamlining team operations
Systems Knowledge: Working proficiency with Commercial loans, collateral, client data and workflow systems along with SharePoint, and Adobe Acrobat
Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent
Preferred
Bachelor's degree in Accounting, Finance or equivalent experience
System knowledge of LIQ, PACE, GMS, GUS, EDR, Genesis, Image Trust, Navigator, SharePoint , KYC, Adobe Acrobat Standard
Company
Bank of America
Bank of America is a financial institution that offers credit cards, home loans, and auto loan services.
10001+ employees
H1B Sponsorship
Bank of America has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (780)
2024 (546)
2023 (590)
2022 (759)
2021 (715)
2020 (931)
Funding
Current Stage
Public CompanyTotal Funding
$3.59BKey Investors
Berkshire Hathaway
2025-02-20Post Ipo Debt· $386.79M
2024-11-26Post Ipo Debt· $2B
2020-07-28Post Ipo Equity· $400M
Leadership Team
Charissa Messer
Senior Vice President, Creative Agency Executive (Enterprise Creative Solutions)
Rami Salem
SVP Strategic Competitive Intelligence
Recent News
2026-01-24
2026-01-23
2026-01-23
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