Job Description:

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.

Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates’ physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.

Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.

At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!

 

Job Description:

The Credit Officer II role is a highly skilled resource, providing expert level advisory guidance in the most complex, integrated debt capital solutions for commercial banking clients.  Products include lines of credit, term loans, real estate loans, and syndicated loans.  The CO manages all of the ancillary credit exposure to clients. The CO maintains knowledge of other BofA products including Investment Banking and Treasury Management that have credit exposure, and leverages product expertise to deliver the best possible and optimally integrated strategic solution for the client or prospect. This role reports to the Commercial Credit Manager or Executive and will be aligned to an Underwriting Team that supports the market.

Responsibilities:

Collaborates with Client Management teams to perform analysis of credit opportunities and prospects at the bank

Manages client and prospect originations including initial credit structuring, underwriting, legal documentation review, and deal closing

Delivers on data accuracy and quality of underwriting metrics in compliance with internal policies and procedures

Monitors assigned portfolios of client loan maturities and collaborates with Analysts to continuously recognize and address risks in a timely manner

Escalates and debates deteriorating assets in partnership with the Special Assets Group and Risk as appropriate

Participates in Regional and Market meetings to communicate credit delivery best practices and results

Skills:

Collaboration

Decision Making

Loan Structuring

Underwriting

Written Communications

Analytical Thinking

Attention to Detail

Credit Documentation Requirements

Interpret Relevant Laws, Rules, and Regulations

Mentoring

Issue Management

Negotiation

Oral Communications

Prioritization

Risk Management

Required Qualifications:

10+ years of solid Commercial Banking experience

Experience in financial analysis, structuring, underwriting and portfolio management

Analytical/technical skills, including financial accounting, modeling and loan structuring

Strong communication skills; ability to communicate vertically, horizontally, and externally

Industry knowledge across multiple sectors     

Minimum Education Requirement: BA/BS Degree Desired

Shift:

Hours Per Week: