Credit Officer I - Global Infrastructure Credit

Bank of America; Charlotte (NC); On-site; USD 90,000 - 150,000; Full time

Job summary

Bank of America is seeking a Credit Officer I for Global Infrastructure Credit to manage client relationships and credit products across major U.S. markets including Charlotte, NY, and Boston.

You will underwrite, monitor, and support complex project finance transactions, while mentoring junior staff and ensuring compliance with bank policies and regulatory standards.

Qualifications

• 8+ years of experience in commercial banking or finance with significant credit, tax equity, and infrastructure/energy project finance experience.

Responsibilities

• Partner with relationship management and product partners to assess clients' credit needs and create solutions.
• Lead loan structure conversations and negotiate loan documentation with clients and internal/external legal partners.
• Drive credit and risk approval processes for new credit originations, renewals, increases, and modifications.
• Mentor and support associates.
• Support underwriting and documentation of project finance and other credit facilities, aligning with client needs and risk/return objectives.
• Support financial modeling, loan structure, industry and economic analyses to inform loan decisions.
• Ensure adherence to credit policies and regulatory requirements.
• Perform financial, industry, counterparty and transaction analyses to support underwriting decisions.
• Review credit profiles of key counterparties and assess structural and stress considerations.
• Monitor client operating performance and financial condition, identifying issues and opportunities.

Skills

Analytical Thinking

Credit and Risk Assessment

Financial Analysis

Research Analysis

Underwriting

Attention to Detail

Business Acumen

Financial Forecasting

Loan Structuring

Written Communications

Business Development

Collaboration

Critical Thinking

Portfolio Analysis

Stakeholder Management

Education

MBA preferred

Job description

Credit Officer I - Global Infrastructure Credit

Charlotte, North Carolina;New York, New York; Boston, Massachusetts

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!

Role 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, and the ability to provide feedback to less experienced teammates.

Embedded across the bank's eight lines of business, the Global Infrastructure Credit team reflects the bank's initiative to fuel the global economy, build trust and credibility with communities, and represents a company that people want to work for, invest in, and do business with. The Global Infrastructure Credit team supports the continued growth in sustainable and infrastructure finance and further deliver on Bank of America's Critical Infrastructure Finance Initiative. The Global Infrastructure Credit Team covers transactions for Project Finance, Tax Equity and Corporate Lending through involvement in the origination and underwriting of transactions.

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
• Mentors and supports associates
• Support the underwriting and documentation of project finance and other credit facilities, ensuring alignment with client needs and the bank's risk/return objectives
• Support the financial modeling, loan structure, industry, economic, and other analyses to support the loan decision-making process
• Ensures adherence to credit policies, guidelines, procedures, and applicable regulatory requirements
• Perform financial, industry, counterparty, and transaction analyses, including qualitative and quantitative due diligence to support underwriting decisions
• Support the reviews of the credit profile of key transaction counterparties (e.g., borrowers, sponsors, servicers, and off takers) and assess structural and stress considerations
• Monitors the client's operating performance and financial condition, proactively identifying issues and opportunities

Required Qualifications

• 8 + years of experience in commercial banking or finance industry with significant credit, tax equity, and infrastructure/energy project finance experience.

Desired Qualifications

• Master's Degree (MBA). Engineering, mathematics or other technical degrees will be considered with an MBA
• Strong understanding of financial models and analysis
• Extensive experience in analysis and management of highly complex, project-oriented transactions (tax equity and debt), including problem solving. Demonstrated aptitude for reviewing, understanding and interpreting associated transaction documents and project contracts.
• Strong credit and risk analysis skills, including experience in commercial and large corporate credit analysis.
• Ability to work efficiently and productively on several transactions or tasks at one time.
• Ability to interact effectively with internal and external clients and partners. Experience mentoring junior associates.
• Clear and articulate oral and written communication skills.
• Formal credit training program at financial institution

Skills

• Analytical Thinking
• Credit and Risk Assessment
• Financial Analysis
• Research Analysis
• Underwriting
• Attention to Detail
• Business Acumen
• Financial Forecasting and Modeling
• Loan Structuring
• Written Communications
• Business Development
• Collaboration
• Critical Thinking
• Portfolio Analysis
• Stakeholder Management

Shift

1st shift (United States of America)

Hours Per Week

40

Employment Equity

Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates.

Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment.

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. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work.

Benefits Information

This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

Financial Products Disclosure

Investment products offered through MLPF&S and insurance and annuity products offered through MLLA:

Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value

Are Not Deposits Are Not Insured by Any Federal Government Agency Are not a condition to Any Banking Service or Activity

Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S" or "Merrill") makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation ("BofA Corp."). MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC and a wholly owned subsidiary of BofA Corp. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation.

Trust, fiduciary and investment management services are provided by Bank of America, N.A., Member FDIC and wholly owned subsidiary of Bank of America Corporation ("BofA Corp.").

Bank of America Private Bank is a division of Bank of America, N.A.

Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.

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