Credit Decisioning

Credit Decisioning Finance Jobs

3 jobs found

3mo ago

Sr Credit Underwriter/Underwriter II-Global Leasing/Equipment Finance

Bank of America Chicago, IL

Chicago, IL

3mo ago Closed

$80k - $163k/yr Full time Asset Finance Banking Commercial Finance

This position is no longer accepting applications (closed Jun 21, 2026).

Job Description

Bank of America is hiring a Sr Credit Underwriter II for Global Leasing and Equipment Finance in Chicago, IL onsite.

Responsibilities

Assess client creditworthiness and render decisions on the approval of credit facilities.
Collaborate with Credit Officers, Relationship Management, and Risk teams to design and deliver credit solutions.
Monitor client operating performance and financial health, proactively flagging issues and opportunities.
Provide financial modeling, loan structuring, and industry and economic analyses to support loan decisions.
Ensure compliance with credit policies, procedures, and applicable regulatory requirements.

Requirements

5+ years of commercial credit experience.
Equipment finance experience is required.
Experience analyzing and structuring complex transactions.
Strong credit and risk analysis capabilities.
Proficiency in presenting, structuring, and analyzing financial statements.
Proven ability to analyze, interpret, and negotiate third-party documentation.
Proven ability to identify trends and emerging risks in underwriting and client selection.

Skills

Attention to Detail
Credit and Risk Assessment
Financial Analysis
Underwriting
Written Communications
Analytical Thinking
Credit Documentation Requirements
Financial Forecasting and Modeling
Recording/Organizing Information
Business Acumen
Collaboration
Collateral Management
Loan Structuring
Prioritization

Education

Minimum education requirement: High School Diploma / GED / Secondary School or equivalent

Details

Location: Chicago, IL (onsite)
Salary: USD 80,000 - 162,500 per year
Shift: 1st shift (United States of America)
Hours per week: 40

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5mo ago

Business Banking Lead Credit Officer, Vice President

JPMorganChase Columbus, OH

Columbus, OH

5mo ago Closed

Full time Banking Business Business Banking

This position is no longer accepting applications (closed Apr 18, 2026).

Job Description

Role Overview

Join JPMorgan Chase within Risk Management and Compliance, where you play a central role in maintaining the firm’s strength and resilience. You enable responsible business growth by anticipating new and evolving risks and applying expert judgement to address real-world challenges affecting the company, its clients, and the communities we serve. Our Risk Management and Compliance culture emphasizes innovative thinking, challenging the status quo, and delivering best-in-class results.

Key Responsibilities

Assess and render decisions on Business Banking credit requests within independent approval authority, escalating when exposures exceed established limits.
Structure transactions with appropriate terms, covenants, collateral, and risk mitigants aligned to our risk appetite.
Review and underwrite requests in Government (including municipal bond exposures) and Not-for-Profit segments nationwide.
Evaluate financial trends, sector dynamics, and borrower-specific risks that impact repayment capacity; document mitigants.
Perform due diligence, including financial statement analysis, ratio and trend assessment, and qualitative management and sector review.
Negotiate and review terms and conditions to align with underwriting conclusions and policy requirements.
Determine and validate risk grades using loan grading tools; ensure facilities are properly graded and documented.
Prepare clear, thorough decision rationales and credit memoranda in proprietary systems with audit-ready documentation.
Identify, analyze, and escalate emerging credit risk issues to the appropriate business and risk stakeholders.
Collaborate with Relationship Managers and Credit Risk Center colleagues to drive consistent process execution and regulatory adherence.
Serve as a resource to less experienced Credit Officers, contributing to knowledge sharing and best-practice adoption.

Required Qualifications, Capabilities, and Skills

Bachelor’s degree or equivalent professional experience is required.
Completion of advanced coursework in finance, accounting, and credit (bank-sponsored training or equivalent academic study).
At least three years of commercial credit analysis and credit decisioning experience in Business/Commercial Banking.
Proven ability to formulate and articulate objective, evidence-based credit views.
Thorough knowledge of credit philosophy and policies, including risk grading standards and portfolio risk concepts.
Proficiency with loan documentation fundamentals and awareness of bankruptcy and related legal issues.
Strong analytical, problem-solving, and financial analysis skills, including ratio analysis and cash flow assessment.
Excellent verbal and written communication skills, with the ability to negotiate terms and present credit conclusions.
Experience operating in a fast-paced, centralized credit environment with solid time management and SLA discipline.
Familiarity with loan grading tools and proprietary credit systems for decisioning and documentation.
Team-oriented mindset with the ability to take accountability and manage a diverse workload.

Preferred Qualifications, Capabilities, and Skills

Business Banking/Commercial portfolio management experience, including monitoring and risk rating maintenance.
Two or more years of risk analysis experience in Government (municipal bond–related exposures) and/or Not-for-Profit segments.
Graduate degree in business, finance, accounting, or a related field.
Experience negotiating complex structures, covenants, and collateral packages tailored to borrower risk profiles.
Familiarity with municipal credit.

Location

1111 Polaris Parkway, Columbus, OH 43240

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5mo ago

Commercial Underwriter III

Old National Bank Chicago, IL

Chicago, IL

5mo ago Closed

$82k - $165k/yr Full time Commercial Commercial Banking Credit Analysis

This position is no longer accepting applications (closed Apr 18, 2026).

Job Description

Job Summary

A Commercial Underwriter in the applicable segmentation Specialty has the primary responsibility of underwriting and decisioning applicable segmentation lending opportunities balancing risk and growth ensuring loan structures are appropriate and consistent with bank lending standards, assign an appropriate asset quality rating, and decision applications with assigned lending authority in a fast-paced, high volume environment completing a detailed financial analysis to obtain a deeper understanding of an application’s credit risk. A Commercial Underwriter will collaborate with Relationship Managers (appliable segmentation), internal support staff, and others to provide credit expertise to underwrite and monitor the portfolio.

Location

8750 West Bryn Mawr Avenue, Chicago, IL 60631

Salary Range

The salary range for this position is $81,700.00/Yr. - $165,100.00/Yr. Final compensation will be determined by location, skills, experience, qualifications and the career level at which the position is filled.

Key Accountabilities

Underwrite and Decision Loans (per applicable segmentation: Specialty)
Underwrite and decision renewals and new credit requests focusing on appropriate due diligent, risk assessment and asset quality ratings (AQR)
Meet quality standards as outlined in ONB underwriting guidelines and policy; evaluation by Loan Review, OCC, and/or others may identify unacceptable underwriting or inaccurate asset quality ratings (AQR)
Meet or exceed productivity expectations for annual credit approval memorandum (CAM) volume
Make prudent credit decisions balancing risk and growth; utilize assigned lending authority based on approval authority matrix to exercise granted authority confidently, independently via problem solving/sound decision making and with integrity
Produce a high quality and accurate analysis while also not sacrificing efficiency in a fast-paced, high volume environment juggling multiple requests while adhering to client driven response timelines, etc.
Partner with respective Relationship Managers (per applicable segmentation: Specialty) as well as Treasury Management Partners
Provide credit expertise using a consultative approach; assist in structuring loans applying proficient knowledge, understanding, and application of ONB guidelines/standards/policies, risk assessment and analysis; effectively communicate risks, questions, and options to RM seeking win-win solutions.
Deliver exceptional internal customer service and adopt new processes and new tools, as available.
Develop and enhance knowledge of assigned segmentation and portfolio by leveraging internal and external resources and expertise
Partner well with associates on revenue generating sales team, support teams and others in Credit to ensure a collaborative, team, and empowered environment
Monitor Portfolio (per applicable segmentation: Specialty)
Accurately assign asset quality ratings (AQR)
Work with assigned Relationship Managers to monitor the credit portfolio to maintain strong asset quality; review trend analysis reports, address default situations, delinquencies, review maturing notes, receipt of financial information, review covenant default and Borrowing Base Certificate (BBC) reports and other reports as appropriate.
Prepare credit data in Special Assets Assessment and Action Summary (SAAAS) and Upgrade Hurdles, as necessary, working with assigned Relationship Managers
Specialty segmentation Commercial Underwriters may monitor overlines and Treasury Management/ACH risk reports or other trends, as appropriate

Key Competencies for Position

Compelling Communication – Openly and effectively communicates with others.
Effectively and transparently shares information and ideas with others.
Tailors the delivery of communication in a way that engages the audience and that is easy to understand and retain.
Unites others towards common goal.
Asks for others' opinions and ideas and listens actively to gain their support when clarifying expectations, agreeing on a solution and checking for satisfaction.
Makes Decisions & Solves

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Credit Decisioning Finance Jobs

Sr Credit Underwriter/Underwriter II-Global Leasing/Equipment Finance

Business Banking Lead Credit Officer, Vice President

Commercial Underwriter III

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