Bank of America
Sr. Credit Underwriter - Custom Mortgage - Global Wealth & Investment Management
Charlotte +4 · Senior · Full-time · Posted Sep 17, 2026
- Location
- Charlotte
Phoenix
Tampa
Houston
Saint Louis - Experience
- 3+ years of commercial or ultra-high-net-worth/complex client credit experience; the job description also states three to five plus years of credit experience.
- Education
- Minimum: High School Diploma / GED / Secondary School or equivalent.
About the job
Underwrites and monitors custom mortgage loans for ultra-high-net-worth clients, analyzing financial information, assessing credit risk, and coordinating approvals and loan booking.
What you'll do
- Analyze complex personal financial information and cash flows, including tax returns and financial statements.
- Assess risks and mitigants, recommend credit structures and risk ratings, and escalate issues for approval.
- Manage multiple loan transactions from application through booking and coordinate with internal partners.
What they ask for
- At least 3 years of commercial or ultra-high-net-worth/complex-client credit experience.
- Strong familiarity with personal tax returns and financial statements.
- Ability to analyze complex cash flows involving multiple income streams.
Nice to have
- Bachelor’s degree in Business Administration, Finance, Accounting, or Economics.
- Formal credit training at a major U.S. financial institution; custom or commercial underwriting experience.
Tools
Excel
Model-written summary · the original posting is authoritative