Job Description

Enterprise Credit Analyst Program - 2025

Enterprise Credit overview

The Enterprise Credit organization is an integrated credit underwriting, monitoring and product management organization managing credit for clients in the bank’s eight lines of business including consumers, companies, and institutions . To deliver seamlessly for our clients, the Enterprise Credit team works with a large array of partners in Global Risk, Global Operations, Global Banking and Consumer & Small Business Banking.

For more information on our eight-lines of business, please refer to the annual report.

Enterprise Credit analyst program

The Enterprise Credit Summer Analyst Program is a ten-week program that provides you broad exposure into our credit underwriting, monitoring, business controls and data management routines. The program emphasizes on-the-job training augmented by classroom instruction focused on technical, analytical, and professional skills.

Our goal is for you to have the opportunity to build upon your academic foundation - specifically technical skills, industry knowledge and familiarity with a corporate environment - while pursuing your career, based on your interests and background. Your training and development is our top priority, with extensive formal training offered at the start of the program and on-the-job support, events, and mentorship throughout.

The Enterprise Credit program has five tracks to support the eight lines of business. The tracks include:

• Consumer Credit
• Global Wealth & Investment Management Credit (Supporting our Merrill and Private Bank clients)
• Global Commercial Banking (GCB), Asset Based Finance and Commercial Real Estate Credit
• Global Corporate & Investment Banking and Global Markets Credit
• Data and Analytics and Business Controls/Process Optimization

This job requisition is for the Global Commercial Banking (GCB), Asset Based Finance and Commercial Real Estate Credit track.

Global Commercial Banking (GCB), Asset Based Finance and Commercial Real Estate Credit:

Candidates for this credit portfolio need a strong understanding of corporate finance and accounting principles to evaluate company financials. The teams are structured by client size and product specialty groups:

• GCB & BB Credit - Supports companies with revenues between $5 million and $2 billion
• Asset-Based Finance - Supports clients with asset-based lending, leases and auto dealer financing needs (i.e. auto dealership floorplan financing)
• Commercial Real Estate Credit - Supports clients with commercial real estate lending needs. This team also includes our Community Development Banking team which provides financing for community improvement and development activities such as low-income housing

What to expect day to day

Over the ten-week program, you will participate in a variety of day-to-day activities depending on the credit portfolio to which you are aligned. You will be paired with a senior team of credit professionals and may work with different types of clients including companies and institutions. Potential activities include:

• Analysis of client financial information, identification/mitigation of potential risks, compliance with regulatory requirements and evaluation of collateral in determination of credit worthiness
• Participate in loan structure conversations and completion of loan documentation
• Complete monitoring activities
• Review and evaluate collateral to ensure appropriate requirements are met
• Analyze clients' financial performance by comparing it to past performance
• Complete cash-flow analysis to understand the client’s ability to repay
• Attend client meetings to develop a deeper understanding of the client's business, management team, and past and future performance
• Review completed client requests to ensure compliance with policy and procedures

Locations

Atlanta, Boston, Charlotte, Chicago, Dallas, Houston, Los Angeles, New York, San Francisco, Seattle

Qualifications

• Candidates are required to be pursuing a bachelor’s degree from an accredited college or university with a graduation timeframe between December 2025 and June 2026
• 3.2 minimum GPA preferred
• A history of high achievement
• Common areas of study include but are not limited to:
  • Corporate Finance
  • Accounting - 12+ credit hours preferred
  • Economics
  • Other related majors
• Candidates should possess a high level of intellectual curiosity, a drive for operational excellence, and a commitment to achieving sustainable results.
• Additionally, students should hold strong academic and technical skills in Microsoft Office, as well as show proficiencies in leadership, teamwork, problem solving & analytical skills, verbal and written communication, and professionalism.

Bank of America is unable to consider candidates that will require visa sponsorship now, or in the future, for this specific role.

Bank of America does not complete third party forms from colleges, universities, or other parties.

Full / Part-time: Fulltime

Hours Per Week: 40.00

Shift: 1st Shift

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