Commercial Credit Officer

Job Description:

Line of Business 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 commercial banking clients under Business Banking as well as Middle Market.  Products include lines of credit, term loans, real estate loans, and syndicated loans.  The CO manages all of the ancillary credit exposure to clients. The CO maintains knowledge of other BofA products including Investment Banking, Leasing, 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 same market. This role will support credit activity for Business Banking and Middle Market in the Central Valley (from Sacramento to Bakersfield), serving a broad range of clients with annual revenue ranging from $10 million to $2 billion. 

Responsibilities:

• Perform analysis of clients and prospects and their industries
• Design and execution of credit solutions, and the active management of asset quality
• 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   

Required Skills: "MUST" have these skills to be minimally qualified

• BS/BA degree and 7+ years of 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 sectors with Ag lending preferred.

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