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 is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates’ physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.

Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.

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

Job Description:

Bank of America's Healthcare Education and Not For Profit (HENFP) banking group is seeking a Credit Officer II.  HENFP is part of the Commercial Bank and supports the financial needs of a variety of 501c3 not for profit clients including healthcare, private universities, colleges and K-12 schools, cultural, professional and social service organizations.

The Credit Officer II (CO II) is a highly skilled resource, providing expert level advisory guidance in the most complex, integrated debt capital solutions for commercial banking clients.  Products include lines of credit, term loans, tax exempt financing, and syndicated loans.  The CO II manages all of the ancillary credit exposure to clients. The CO II maintains knowledge of other BofA products including Investment Banking 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, partners with Relationship Management and Treasury Sales Officers and is aligned with an Underwriting Team that supports the market.

Responsibilities:

• Provides capital structure solutions

• Builds relationships with existing and prospective clients

• Negotiates credit documentation

• Manages the credit process for a portfolio of clients

• Leads the credit and risk approval processes

• Mentors and supports associates

Skills:

• Client Solutions Advisory

• Customer and Client Focus

• Decision Making

• Credit Documentation Requirements

• Issue Management

• Account Management

• Loan Structuring

• Financial Analysis

• Risk Management

• Underwriting

• Credit and Risk Assessment

• Analytical Thinking

• Coaching

• Collaboration

• Critical Thinking

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: