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Credit Officer II
Bank of AmericaLocal markets Credit Officer II providing expert advisory guidance for commercial banking clients on integrated debt capital solutions. Managing credit exposure and monitoring portfolio performance in a structured environment.
About the role
Key responsibilities & impact- 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
Requirements
What you’ll need- 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
- Minimum Education Requirement: BA/BS Degree
Benefits
Comp & perks- Competitive benefits to support physical, emotional, and financial well-being
- Opportunities for professional development and career growth
ATS Keywords
✓ Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
Financial AccountingFinancial ModelingLoan StructuringUnderwritingData AccuracyRisk ManagementLegal Documentation ReviewDeal ClosingCredit EvaluationAnalytical Skills
Soft Skills
CollaborationProactive Problem Solving