Credit Officer II

Evaluations

Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facility.

Collaboration

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

Client Management

• 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.

Portfolio Management

• 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.
• Monitors the client's operating performance and financial condition, proactively identifying issues and opportunities.
• 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.
• 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.

Risk Management

• Makes decisions that minimize risk and maximize returns.
• 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.

Reporting

• 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

Qualifications

• 10+ years of solid Commercial Banking Underwriting 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

Requirements

• BA/BS Degree

Shift

1st shift (United States of America)

Hours Per Week

40