Credit Officer II
About the role
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 and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive and flexible benefits. We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve. Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
Responsibilities
- Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facility
- 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 the client's operating performance and financial condition, proactively identifying issues and opportunities
- 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 RequirementsInterpret 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
- BA/BS Degree
Schedule
Desired Shift: 1st shift (United States of America). Hours Per Week: 40.