Credit Officer II

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. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.

Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive and flexible benefits.

We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve.

Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs.

At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!

Job Description:
This job is responsible for managing clients and related credit products, partnering closely with relationship management, sales/trading, treasury management, operations and risk teams to support the client relationship. Key responsibilities include underwriting, monitoring, managing operational needs and/or client requests. Job expectations include credit-focused client management responsibilities, independent thought leadership, strong leadership skills, the ability to provide feedback to less experienced teammates and may also manage a team.

Responsibilities:

• Partners with relationship management and product partners to assess clients’ credit needs and create solutions

• Leads loan structure conversations and negotiates loan documentation with clients and internal/external legal partners

• Drives credit and risk approval processes for new credit originations, renewals, increases, and modifications

• Leads ongoing monitoring efforts for a portfolio of clients in compliance with regulations, policy and procedure

• Drives the growth of funded loans and revenue while mitigating risks, maintaining asset quality and adhering to regulatory requirements

• Serves as an escalation point for complex credit transactions

• Mentors and supports associates

Skills:

• Business Acumen

• Coaching

• Decision Making

• Hiring and Onboarding

• Loan Structuring

• Collaboration

• Credit Documentation Requirements

• Oral Communications

• Risk Management

• Written Communications

• Change Management

• Executive Presence

• Organizational Effectiveness

• Underwriting

Required Qualifications:

• 10+ years of solid Commercial Banking Experience (Middle Market, Leverage Finance or Large Corporate level or other complex business loans)

• Strong communication skills; ability to communicate vertically, horizontally, and externally

• Experience in financial analysis, structuring, underwriting and portfolio management

• Analytical/technical skills, including financial accounting, modeling and loan structuring

• Industry knowledge across multiple sectors     

Minimum Education Requirement: BA/BS Degree Desired

Shift:

Hours Per Week: