Credit Officer II – Asset Based Finance

Bank of America

. This job is responsible for managing clients and related credit products, partnering closely with relationship management, sales/trading, treasury management, operations and risk teams to support the client relationship .

Posted 5/10/2026full-timeLos Angeles • California • 🇺🇸 United StatesSeniorLead💰 $99,000 - $225,000 per yearWebsite

About the role

Key responsibilities & impact

This job is responsible for managing clients and related credit products, partnering closely with relationship management, sales/trading, treasury management, operations and risk teams to support the client relationship
Key responsibilities include underwriting, monitoring, managing operational needs and/or client requests
Job expectations include credit-focused client management responsibilities, independent thought leadership, strong leadership skills
More specifically, this job is responsible for managing, monitoring, and documenting credit risk for an asset based (ABL) portfolio of clients
Key responsibilities include monitoring changes in credit profiles, compliance with credit agreements as well as structuring and underwriting new financing solutions across the Global Banking and Markets product spectrum
Job expectations may include assessing risk solutions which adhere to the bank's risk appetite and risk strategies and coaching and leading team members

Requirements

What you’ll need

7+ years of experience in asset based and/or commercial lending
Experience in monitoring the credit health of asset based or commercial lending clients
Strong knowledge and comprehension of loan and collateral documentation
Ability to accurately analyze borrower’s financial picture and deliver a comprehensive risk analysis to manager and risk officers
Confidence and ability to develop an independent viewpoint and present a business case to support conclusions
Excellent relationship management skills, experience working in a team environment, ability to help influence constituencies with diverse views towards consensus
Coaching and mentoring skills
Proficiency in Microsoft Office Excel, Word, Outlook, PowerPoint

Benefits

Comp & perks

Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors
Health insurance
Retirement plans
Paid time off
Flexible work arrangements
Professional development

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

credit risk managementunderwritingrisk analysisloan documentationcollateral documentationfinancial analysiscredit monitoringasset based lendingcommercial lendingrisk solutions

Soft Skills

leadershiprelationship managementindependent thought leadershipcoachingmentoringteam collaborationinfluencingconsensus buildingcommunicationanalytical thinking