Job Description

Enterprise Credit Analyst Program - 2026

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

Enterprise Credit Summer Analyst program

The Enterprise Credit Analyst Program 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 six 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
• Leveraged Finance Credit - Acquisition Finance
• Data and Analytics and Business Controls/Process Optimization

This job requisition is for the Leveraged Finance Credit - Acquisition Finance track.

Leveraged Finance Credit - Acquisition Finance

Our Leveraged Finance Credit - Acquisition Finance business represents Enterprise Credit in the acquisition financing underwriting process. The business underwrites transactions for both non-investment grade corporate acquisitions and financial sponsor leveraged buyouts.

What to expect day to day

Key responsibilities of a Leveraged Finance Credit Analyst may include but are not limited to:

• Perform credit analysis and evaluate financing terms for corporate acquisitions and leveraged buyouts
• Acquire understanding of new businesses and industries in a short period of time
• Review and analyze due diligence materials, such as: financial statements, financial due-diligence reports, projections, credit ratings and other third-party reports
• Conduct due diligence with clients
• Develop detailed financial projection models, including Leveraged Buy Out (LBO) models
• Identify key credit risks and weigh them against relevant mitigants.
• Work as a deal team member alongside investment banking and capital markets colleagues to create approval documents and analysis for the deal approval process.
• Other projects as assigned, such as: reports synthesizing risk exposure statistics and, market intelligence

Locations

Charlotte & New York

Qualifications

• Students must be pursuing a Bachelors or Bachelors direct to Master’s degree from an accredited college or university with a graduation timeframe between November 2026 and August 2027
• 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 including upper-level courses
  • Economics
  • Other related majors
• Curriculum work that includes financial analysis and succinct documentation of assumptions for public, private and non-traditional financial statements, presentations and projections
• 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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