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Commercial Credit Officer

San Francisco;

Job Description:

The Commercial Credit Officer (CO) is a highly skilled resource, providing expert level advisory guidance and integrated debt capital solutions for both Business Banking and Middle Market commercial banking clients.  Products include lines of credit, term loans, and syndicated loans as well as advising on complex capital structures and other debt capital markets 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 solutions for the client or prospect.

This role reports to the Regional Credit Executive and will be aligned to an Underwriting Team that supports the market. This role will specifically support credit activity for the Commercial Banking teams in the San Francisco Metro Region, serving a broad ranges of clients with annual revenue ranging from $5.0 million to $2.0 billion.

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  

• Must have a working knowledge of the syndicated loan market

• 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 15+ years of solid commercial banking experience that includes formal credit training and underwriting.

•   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

Job Band:

H4

Shift: 

1st shift (United States of America)

Hours Per Week:

40

Weekly Schedule:

Referral Bonus Amount:

0

Job Description:

The Commercial Credit Officer (CO) is a highly skilled resource, providing expert level advisory guidance and integrated debt capital solutions for both Business Banking and Middle Market commercial banking clients.  Products include lines of credit, term loans, and syndicated loans as well as advising on complex capital structures and other debt capital markets 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 solutions for the client or prospect.

This role reports to the Regional Credit Executive and will be aligned to an Underwriting Team that supports the market. This role will specifically support credit activity for the Commercial Banking teams in the San Francisco Metro Region, serving a broad ranges of clients with annual revenue ranging from $5.0 million to $2.0 billion.

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  

• Must have a working knowledge of the syndicated loan market

• 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 15+ years of solid commercial banking experience that includes formal credit training and underwriting.

•   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

Shift:

1st shift (United States of America)

Hours Per Week: 

40

Learn more about this role

Full time

JR-22043714

Band: H4

Manages People: No

Travel: Yes, 25% of the time

Manager:

Talent Acquisition Contact:

Anthony Picano

Referral Bonus:

0