Credit Officer I – Global Infrastructure Credit

National Black MBA Association; Northern (KY); Hybrid; USD 130,000 - 201,000; Full time

Job summary

Bank of America is recruiting for a senior credit professional focused on infrastructure and project finance. The role entails managing client credit needs, leading loan-structure discussions, and driving risk and underwriting decisions across complex transactions.

You will mentor associates, collaborate with relationship teams, and ensure adherence to policy while supporting robust financial analyses and due diligence.

Qualifications

• Strong analytical thinking and problem-solving abilities.
• Experience with credit risk assessment for infrastructure/energy projects.
• Familiarity with financial modeling and transaction analysis.

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 and assess structural and stress considerations
• Monitors the client’s operating performance and financial condition, proactively identifying issues and opportunities

Skills

Analytical Thinking

Credit Risk

Financial Analysis

Research Analysis

Education

MBA

Job description

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, 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

  Shift:

  1st shift (United States of America)

  Hours Per Week:

  40

  Pay Transparency details

  US - MA - Boston - 100 Federal St - 100 Federal St Lp (MA5100), US - NY - New York - ONE BRYANT PARK - BANK OF AMERICA TOWER (NY1100)Pay and benefits informationPay range$130,000.00 - $201,200.00 annualized salary, offers to be determined based on experience, education and skill set.Discretionary incentive eligibleThis 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.BenefitsThis 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.