Consumer Client Underwriter

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 and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive and flexible benefits. We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve. Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs. 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 evaluating, analyzing, and making credit decisions on loan and lease applications submitted through clients, dealers, and/or Volvo Car Financial Services clients. Key responsibilities include customer contact, client satisfaction, and relationship developments. Job expectations include thorough knowledge of finance/accounting, credit principles, legal, bank operations and audit control procedures.

Responsibilities:

• Analyzes applications for consumer loans efficiently for accuracy and risk
• Reviews applications for consumer loans to determine creditworthiness
• Provides guidance and concurrence to the Sr Underwriting team
• Inputs relevant information into the system and contact the customer/dealer with the decision
• Ensures applications are accurate and complete
• Provides
• Works directly with our Dealer and Client Direct Sales partners

Required Qualifications:

• Minimum of 4  years recent Consumer Vehicle Lending underwriting experience
• Analyzes applications for consumer loans efficiently for accuracy and risk
• Reviews applications for consumer loans to determine creditworthiness
• Provides guidance and concurrence to the Sr Underwriting team
• Inputs relevant information into the system and contact the customer/dealer with the decision
• Ensures applications are accurate and complete
• Works directly with our Dealer and Client Direct Sales partners

Desired Qualifications:

• Credit and Risk Assessment
• Customer and Client Focus
• Underwriting
• Collaboration
• Decision Making
• Financial Analysis

Skills:

• Collateral Management
• Credit Documentation Requirements
• Credit and Risk Assessment
• Customer and Client Focus
• Underwriting
• Collaboration
• Decision Making
• Financial Analysis
• Prioritization
• Recording/Organizing Information
• Attention to Detail
• Business Acumen
• Loan Structuring
• Oral Communications
• Written Communications

Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent

Shift:

1st shift (United States of America)

Hours Per Week:

40