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Leasing Credit Officer I / II

Charlotte, North Carolina;

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!

Responsible for assisting in the delivery of integrated credit solutions to complex high net worth clients, as well as ongoing portfolio management.  Key responsibilities include the spreading of personal financial statements and complex personal tax returns for High-Net-Worth clients in Global Leasing’s Global Corporate Aircraft Portfolio.  The candidate will partner with client-facing teammates on sales opportunities and existing portfolio reviews, providing the product expertise to deliver effective client solutions.  Job expectations include providing on-going monitoring of client portfolios, ensuring accurate and timely delivery of financial statement spread packages for use in the analysis of financial statements, assignment of risk ratings, and required client reviews.


  • Integral member of the Portfolio Management group assisting the Credit Underwriting and Portfolio Management teams in credit management.

  • Timely delivery of technically accurate spreads for High-Net-Worth Individuals using personal financial statements and complex tax returns to ensure loan monitoring activities and annual status review are completed within specific timeframes.

  • Ability to multitask and balance demanding timelines for new money and maintenance spread requests.

  • Consultation with Sales, Credit and Portfolio Officers on specific transaction structures for integration into spreading output.

  • Upon spread completion, initial preparation of Risk Rating Scorecards for High-Net-Worth Individual borrowers/guarantor utilizing Moody’s Credit Lens (CL), accurate updating of electronic credit files and other various systems.

  • Provide additional credit support to the GCAF PMG team, as requested.

  • As associate masters these initial tasks, there will be opportunities for added responsibilities.

Required Qualifications:

  • 5+ years’ experience in the commercial banking, leasing, or finance industry.

  • A foundational knowledge of high-net-worth individual financial statements analysis and underwriting.

  • Ability to work efficiently and productively on several transactions or tasks at one time, while driving results and meeting deadlines.

Desired Qualifications:

  • Knowledge of financial statement analysis and an understanding of GAAP, cash flow analysis, and trend analysis are beneficial.

  • Prior experience in High Net Worth Underwriting

  • Prior experience in Corporate Aircraft Finance

  • Proficient in Microsoft Excel and Moody's CreditLens - Financial Statement Spreading

  • BA Degree in Finance, Accounting or related field


  • Adaptability

  • Attention to Detail

  • Data Collection and Entry

  • Prioritization

  • Recording/Organizing Information

  • Analytical Thinking

  • Critical Thinking

  • Issue Management

  • Oral Communications

  • Problem Solving

  • Collaboration

  • Credit and Risk Assessment

  • Decision Making

  • Innovative Thinking

  • Written Communications

  • Financial Analysis

  • Loan Structuring

  • Research Analysis

  • Risk Management

  • Underwriting

  • Account Management

  • Credit Documentation Requirements


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

Rhode Island pay and benefits information

Rhode Island pay range:

$65,900 - $170,100 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.