Credit Officer II
About the role
Bank of America's Healthcare Education and Not For Profit (HENFP) banking group is seeking a Credit Officer II. HENFP is part of the Commercial Bank and supports the financial needs of a variety of 501c3 not-for-profit clients including healthcare, private universities, colleges and K-12 schools, cultural, professional, and social service organizations.
The Credit Officer II (CO II) 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, tax-exempt financing, and syndicated loans. The CO II manages all ancillary credit exposure to clients, maintains knowledge of other Bank of America 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, partners with Relationship Management and Treasury Sales Officers, and is aligned with an Underwriting Team that supports the market.
Responsibilities
- Provides capital structure solutions
- Builds relationships with existing and prospective clients
- Negotiates credit documentation
- Manages the credit process for a portfolio of clients
- Leads the credit and risk approval processes
- Mentors and supports associates
Skills
- Client Solutions Advisory
- Customer and Client Focus
- Decision Making
- Credit Documentation
- Issue Management
- Account Management
- Loan Structuring
- Financial Analysis
- Risk Management
- Underwriting
- Credit and Risk Assessment
- Analytical Thinking
- Coaching
- Collaboration
- Critical Thinking
Requirements
- 10+ years of solid Commercial Banking Experience (Middle Market, Leverage Finance, or Large Corporate level or other complex business loans)
- Strong communication skills; ability to communicate vertically, horizontally, and externally
- Experience in financial analysis, structuring, underwriting, and portfolio management
- Analytical/technical skills, including financial accounting, modeling, and loan structuring
- Industry knowledge across multiple sectors
Qualifications
Minimum Education Requirement: BA/BS Degree
Schedule
1st shift (United States of America)
Hours Per Week: 40