Commercial Credit Officer

Bank of America; Birmingham; On-site; GBP 70,000 - 90,000; Full time

Job summary

Une entreprise de services financiers internationale recherche un Commercial Credit Officer hautement qualifié. Dans ce rôle, vous serez responsable de la gestion du processus de crédit pour un portefeuille de clients, en fournissant des solutions de structure de capital et en construisant des relations avec les clients existants et potentiels. Vous devrez avoir une expérience solide en banque commerciale, avec des compétences en analyse financière, structuration de prêts et gestion des risques.

Qualifications

• 10+ ans d'expérience solide en banque commerciale.
• Vaste expérience en analyse financière et gestion de portefeuille.
• Compétences analytiques et techniques, y compris modélisation financière.

Responsibilities

• Gérer le processus de crédit pour un portefeuille de clients.
• Négocier la documentation de crédit.
• Diriger les processus d'approbation du crédit et des risques.

Skills

Client Solutions Advisory

Financial Analysis

Loan Structuring

Risk Management

Underwriting

Account Management

Credit Documentation Requirements

Credit and Risk Assessment

Decision Making

Issue Management

Analytical Thinking

Coaching

Collaboration

Critical Thinking

Customer and Client Focus

Education

BA/BS Degree

Job description

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Description

The Commercial Credit Officer (CCO) is a highly skilled resource, providing expert-level advisory guidance in complex, integrated debt capital solutions for commercial banking clients. Products include lines of credit, term loans, real estate loans, and syndicated loans. The CCO manages all ancillary credit exposure to clients and maintains knowledge of other BofA products such as Investment Banking and Treasury Management, leveraging product expertise to deliver the best and most integrated strategic solutions. This role reports to the Commercial Credit Manager or Executive and is aligned with an Underwriting Team supporting the market.

Responsibilities:

1. Manage the credit process for a portfolio of clients
2. Negotiate credit documentation
3. Lead credit and risk approval processes
4. Build relationships with existing and prospective clients
5. Mentor and support associates
6. Provide capital structure solutions

Skills:

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

Required Qualifications:

• 10+ years of solid Commercial Banking experience
• Experience in financial analysis, structuring, underwriting, and portfolio management
• Analytical/technical skills, including financial accounting, modeling, and loan structuring
• Strong communication skills; ability to communicate vertically, horizontally, and externally
• Industry knowledge across multiple sectors

Minimum Education Requirement: BA/BS Degree Desired

Shift: 1st shift (United States of America)

Hours Per Week: 40