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Leasing Credit Sr Officer/Leasing Credit Officer II

Providence, Rhode Island;

Job Description:

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day. One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We’re devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being. Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization. Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us!

Job Description:

Responsible for delivery of integrated credit solutions to middle market or corporate clients. Partner closely with client-facing teammates in both the Global Corporate Bank and Global Commercial Bank and provide the product expertise and consultation necessary to deliver the best possible solution to the client.

The position is responsible for the ongoing portfolio management and monitoring of Bank of America’s Global Leasing Corporate, Commercial, Middle Market, Healthcare, Leveraged Finance, and Global Corporate Aircraft portfolio.  Management and monitoring responsibilities will include lending/leasing relationships with exposures up to $100MM+ that are assigned risk ratings the equivalent of regulatory Pass, Criticized, and Classified categories.  High Net Worth Individual and international accounts may also be included.

Job Responsibilities:

  • The LCSO will determine appropriate obligor and facility risk ratings through ongoing review of client financial statements, covenant compliance, monitoring of news articles and other early warning alerts, as well as through interaction with Risk Management Officers, Marketing Officers, SAG Officers, Legal, Equipment Management Officers and Credit Underwriting Officers.  When a Bank relationship exists, the LCSO is expected to interact effectively with Bank partners. When required, the LCSO will contact the client directly.
  • The LCSO will handle ad-hoc credit-related customer service request for clients, including negotiating waivers and amendments to existing leases or loans. 
  • The LCSO will be required to prepare quarterly SER reports and other periodic credit reviews.  Responsibilities may also include the training and mentoring of more junior associates, as well as ownership of various Leasing processes.
  • The LCSO simultaneously manage multiple demands and priorities while maintaining organization, adherence to deadlines and compliance with policy.
  • The LCSO will identify, anticipate and proactively address potential credit problems early in the process.

*This position can be filled as a Leasing Credit Sr Officer or Leasing Credit Officer II.  

Required Qualifications:

  • 10+ years experience in the commercial banking, leasing, or finance industry for Leasing Credit Sr Officer, 5+ yrs for Leasing Credit Officer II
  • Proficient commercial credit or leasing underwriting or portfolio management experience
  • Proficient credit and secured equipment finance knowledge
  • Experience reviewing and negotiating legal documents.

Desired Qualifications:

  • Prior Lease Finance Experience
  • Prior experience in High Net Worth Underwriting
  • Prior experience in Corporate Aircraft Finance
  • Proficient in Moody's CreditLens - Financial Statement Spreading
  • BA Degree in Finance, Accounting or related field


  • Financial Analysis
  • Loan Structuring
  • Research Analysis
  • Risk Management
  • Underwriting
  • Coaching
  • Credit Documentation Requirements
  • Credit and Risk Assessment
  • Decision Making
  • Issue Management
  • Account Management
  • Analytical Thinking
  • Collaboration
  • Critical Thinking
  • Customer and Client Focus


1st shift (United States of America)

Hours Per Week: 


Learn more about this role

Full time


Manages People: No

Travel: Yes, 5% of the time

Rhode Island pay and benefits information

Rhode Island pay range:

$120,400 - $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.