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Commercial Real Estate Credit Officer

San Francisco, California

Job Description:

Role Overview:

The CREB Credit Officer is the primary credit relationship contact with the client. The Credit Officer leads credit originations/modifications and is directly responsible to coordinate and collaborate with client management, syndications (as needed), and credit risk.  The Credit Officer, along with an assigned Underwriter, will work directly with clients from initial assessment, deal structuring, final credit approval, legal document negotiations and closing. The Credit Officer will also advise CREB Portfolio Management with any post-closing actions if needed and manage credit actions as they arise from portfolio monitoring.  The Credit Officer is a member of the CREB market team and is aligned to LOB regions/markets and is assigned a portfolio of clients. The Credit Officer is typically an individual contributor who reports to the Market Credit Executive and holds credit approval authority. The Credit Officer maintains knowledge of other BofA products including Investment Banking and Treasury Management and leverages product expertise to deliver the best possible and optimally integrated strategic solution for the client or prospect. The role is balanced between analysis of clients and prospects and their industries, design and execution of solutions, and the active management of asset quality. Client facing, the Credit Officer collaborates with the Relationship Manager, Treasury Solutions Officer, and other product partners, when needed, to assess client needs, design integrated solutions and deliver the bank to clients and prospects. Successful candidates will possess functional expertise (CRE underwriting/structuring, Credit Facility Agreement negotiations with Legal Counsel), strong written and verbal communication skills, and will have demonstrated strong performance with a focus on collaboration, driving operational excellence and the ability to influence leaders, peers, and clients.

Functional Role Description:

  • Lead the Origination/Modification/Structuring of Credit Facilities
  • Manage underwriting, credit approval process, portfolio management.
  • Engage legal counsel / Lead document review and closing process with Underwriter assistance.

Role Qualifications:

  • 5+ years’ experience in commercial real estate credit/financing.
  • Must have proficient experience in financial analysis, structuring, underwriting and portfolio management, strong communication and analytical/technical skills, including financial accounting, modeling and loan structuring and documentation.
  • 3+ years’ experience in Banking or financial lending institution, not required but a plus.
  • Familiarity with core banking products.
  • Understanding of the regulations that govern Banking and CRE lending.
  • Maintains knowledge of other banking products including Investment Banking, Interest Rate Hedging, 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.

Leadership Competencies:

  • Demonstrates strong business and financial acumen, while acting ethically and responsibly at all times
  • Ensures self and others maintain a strong focus on client needs
  • Manages client relationships in a manner that makes it easier to do business with our company
  • Leads the delivery of practical, innovative solutions to clients that meet their individual needs
  • Demonstrates and encourages collaboration, connection and teamwork within and beyond his/her team
  • Focuses on and recognizes team success
  • Actively builds and sustains long-term relationships, both internally and externally, based on mutual trust
  • Intellectually curious; constantly seeks to learn and advance his/her knowledge
  • Remains positive and focused during times of pressure, adversity, or change
  • Resilient; quickly adjusts behaviors in order to be successful.
  • Effective communication skills, both written and oral, using clear, concise and simple language
  • Demonstrates a bias for action and a commitment to achieving sustainable results
  • Makes timely and fact-based decisions
  • Ensures rigorous thinking and analysis have been used when making a decision

**This position can be filled as a Credit Officer or Credit Underwriter**


1st shift (United States of America)

Hours Per Week: 


Learn more about this role

Full time


Manages People: No

Travel: Yes, 10% of the time

California pay and benefits information

California pay range:

$80,000 - $200,000 annualized salary, offers to be determined based on experience, education and skill set.

Discretionary incentive eligible

This role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company.


This role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.

Street Address

Primary Location:
555 California St, CA, San Francisco, 94104