Credit Card Analyst III –Small Business Credit

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. 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 applying judgmental and prescriptive lending principles in decisioning credit applications for credit cards. Key responsibilities include evaluating a wide range of applications and credit complexities with high levels of approval authority. Job expectations include optimizing relationship opportunities and maintaining a high level of customer service with internal and external partners.

 

Responsibilities:

• Maintains a high level of customer service while receiving inbound and making outbound calls with the client
• Manages and prioritizes tasks to decision credit requests within required Service Level Agreement (SLA) period
• Applies knowledge of lending policies, procedures, and regulatory requirements
• Services existing clients and maintains accounts
• Follows judgmental and prescriptive lender guidance for final decision and ensures adherence to policy guidelines

Required Qualifications:

• Consumer lending and Consumer products
• Financial math
• Credit analysis
• Credit guidelines and lending procedures
• Time management
• Problem solving
• 2 years of Consumer Card Underwriting experience

Desired Qualifications:

• Ability to work Independently
• Multitasking

Skills:

• Credit Documentation Requirements
• Credit and Risk Assessment
• Customer and Client Focus
• Decision Making
• Underwriting
• Analytical Thinking
• Collaboration
• Prioritization
• Recording/Organizing Information
• Attention to Detail
• Business Acumen
• Financial Analysis
• 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