Credit Officer I/II: Lead Loan Structuring & Growth

Bank of America; San Francisco (CA); On-site; USD 120,000 - 200,000; Full time

Job summary

Bank of America is seeking a senior Corporate/Commercial Credit professional in the San Francisco area to manage a portfolio of clients, underwrite loans, and coordinate with Relationship Management, Treasury, and Risk teams. The role focuses on credit structuring, risk assessment, and ongoing monitoring while mentoring junior staff.

The role emphasizes strong accounting/finance knowledge, legal credit agreements, and the ability to drive loan growth within regulatory frameworks.

Qualifications

• 5+ years corporate/commercial credit experience.
• Strong understanding of accounting and corporate finance.
• Strong understanding of legal credit agreements.
• Strong knowledge of ancillary bank products (treasury, cash management, derivatives).
• Strong business writing skills.
• Ability to coach junior teammates.

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.
• Oversees and assesses the credit worthiness of borrowers based on due diligence findings, financial statement analysis, forecasting, analysis of company and industry risks, terms and conditions, and relationship profitability to provide high quality credit approval to Corporate Banking, Investment Banking, Global Markets, and Treasury.
• Exercises Delegated Approval Authority using sound judgment and expertise to make approval decisions for the business including new lending limits, structuring and negotiating deal terms, credit worthiness, annual reviews and renewals, risk ratings, and breach actions.
• Leads new credit originations in coordination and collaboration with the coverage teams including Relationship Managers, Risk, Syndications, Treasury, and all other product partners.

Skills

Analytical Thinking

Credit & Risk Assessment

Financial Analysis

Loan Structuring

Underwriting

Attention to Detail

Business Acumen

Forecasting & Modeling

Research & Analysis

Written Communications

Business Development

Collaboration

Critical Thinking

Portfolio Analysis

Stakeholder Management

Education

Bachelor’s Degree in Finance or related

Job description

Bank of America is seeking a senior Corporate/Commercial Credit professional in the San Francisco area to manage a portfolio of clients, underwrite loans, and coordinate with Relationship Management, Treasury, and Risk teams. The role focuses on credit structuring, risk assessment, and ongoing monitoring while mentoring junior staff.

The role emphasizes strong accounting/finance knowledge, legal credit agreements, and the ability to drive loan growth within regulatory frameworks.