What you'll do

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.

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 Data and Analytics and Business Controls/Process Optimization track:

Candidates for this credit portfolio need an understanding of corporate finance and accounting principles, business management and process/controls. Our Data and Analytics and Business Controls/Process Optimization track is comprised of two teams:

• Enterprise Credit Analytics & Transformation Strategy Provide data management and technology transformation for the credit teams. Data management includes internal and regulatory reporting while also partnering with the technology transformation team to ensure data and appropriate controls are built into credit systems to drive transparency and support digitization.
• Enterprise Credit Chief Operating Office (COO) Support the credit teams through business controls, process and quality review testing. Daily activities can include:
  • Review of credit documents to ensure regulatory, policy and procedure requirements are met
  • Identify opportunities to prevent errors and streamline processes
  • Manage policies, procedures, process documentation and controls to support our end-to-end credit process

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 professionals. 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
• Review and evaluate collateral to ensure appropriate requirements are met
• Review completed client requests to ensure compliance with policy and procedures and assess if business controls are appropriate
• Partner with credit underwriting and monitoring teams to document processes and identify opportunities for simplification or business control needs
• Participate in the end-to-end data management process to understand how credit data is used internally and provided to regulatory partners

Location

Charlotte

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
  • Business Administration/Management
  • Accounting
  • Computer Science/Information Systems
  • 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

Bank of America is one of the world's largest financial institutions, serving individuals, small- and middle-market businesses and large corporations with a full range of banking, investing, asset management and other financial and risk management products and services. The company serves approximately 56 million U.S. consumer and small business relationships. It is among the world's leading wealth management companies and is a global leader in corporate and investment banking and trading.