Commercial Credit Officer

Job Description:

The Commercial Credit Officer (CCO) is a highly skilled resource,

providing expert level advisory guidance in the most complex, integrated

debt capital solutions for healthcare commercial banking clients.  Products

include lines of credit, term loans, and syndicated loans as well as

advising on complex capital structure solutions including converts, bonds

and other debt structured solutions.  The CO manages all of the ancillary

credit exposure to clients. The CO 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. This role reports to the Commercial Credit Manager  and will be

aligned to an Underwriting Team that supports the market. This role will

specifically support credit activity for  the Commercial Banking

Healthcare team in the West Region, serving a broad ranges of clients with

annual revenue ranging from $50MM to $2B as well as emerging growth

pre-revenue companies.

*Required Skills:  “Must” have these skills to be minimally qualified. Responsibilities:

• Deal analysis: Perform analysis of clients and prospects and their industries and subsectors - make go / no- go recommendation, 
•  Design and execution of credit solutions, and the active management of asset quality 
•  Manage execution of credit process from origination to approval to booking
•  Collaborates with the Relationship Manager (RM), Treasury Solutions Officer (TSO), and other product partners, when needed, to assess client needs, design integrated solutions and deliver the bank to clients and prospects
•  Serve as Line/Credit approver in conjunction with Risk management based on credit approval grid and drives the internal credit approval process, loan documentation and closing  
•  Negotiate credit agreements on an independent basis directly with Treasurers and CFOs
•  Articulate deal risks and merits for credit decisioning   - Train and mentor junior associates  .

Desired Skills:

• BS/BA  degree desired and 10- 15+ years of solid commercial banking 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 healthcare sectors

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