Credit Officer II – Dealer Financial Services

Bank of America

Credit Officer II at Bank of America managing credit risk and documenting loans. Providing expert advisory guidance and collaborating with teams for comprehensive financial solutions.

Posted 5/28/2026full-timeBoston • Massachusetts, New York • 🇺🇸 United StatesSeniorLead💰 $99,000 - $225,000 per yearWebsite

About the role

Key responsibilities & impact

Managing, monitoring, and documenting credit risk for a portfolio of clients
Monitoring changes in credit profiles, compliance with credit agreements as well as structuring and underwriting new financing solutions
Assessing risk solutions which adhere to the bank's risk appetite and risk strategies and coaching and leading team members
Leading new credit originations in coordination and collaboration with the coverage teams including Relationship Managers, Risk, Syndications, Treasury, and all other product partners
Underwriting and structuring complex credit transactions with minimal oversight

Requirements

What you’ll need

Minimum of 7 years commercial credit underwriting and analysis with a commercial bank or OEM captive finance organization
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
Strong Microsoft Office Skills

Benefits

Comp & perks

Industry-leading benefits
Access to paid time off
Resources and support for employees to make a genuine impact
Contribute to the sustainable growth of our business and the communities we serve

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

credit risk managementcredit underwritingrisk analysisloan documentationcollateral documentationfinancial analysiscredit transactions structuringcredit originationsrisk appetite assessmentcompliance monitoring

Soft Skills

relationship managementteam collaborationinfluencing skillscoachingmentoringindependent viewpoint developmentpresentation skillsconsensus buildingcommunicationleadership