Credit Officer II

Bank of America; Atlanta (GA); On-site; USD 138,000 - 175,000; Full time

Benefits offered by this job

Benefits eligible

Discretionary bonus plan

Job summary

Bank of America seeks a Credit Officer II in the United States to deliver expert advisory for commercial debt capital solutions, including lines of credit, term loans, real estate loans, and syndicated facilities. The role requires deep credit analysis and portfolio oversight and reports to the Commercial Credit Executive.

The position emphasizes structuring, underwriting, policy adherence, and collaboration with client teams across markets, with a 40-hour work week and first-shift hours in

Qualifications

• 10+ years of solid Commercial Banking Underwriting 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.

Responsibilities

• Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facility.
• Collaborates with Client Management teams to perform analysis of credit opportunities and prospects at the bank.
• Manages client and prospect originations including initial credit structuring, underwriting, legal documentation review, and deal closing.
• Delivers on data accuracy and quality of underwriting metrics in compliance with internal policies and procedures.
• Monitors the client's operating performance and financial condition, proactively identifying issues and opportunities.
• Monitors assigned portfolios of client loan maturities and collaborates with Analysts to continuously recognize and address risks in a timely manner.
• Escalates and debates deteriorating assets in partnership with the Special Assets Group and Risk as appropriate.
• Participates in Regional and Market meetings to communicate credit delivery best practices and results.

Skills

Collaboration

Decision Making

Loan Structuring

Underwriting

Written Communications

Analytical Thinking

Attention to Detail

Credit Documentation Requirements

Laws & Regulations

Mentoring

Negotiation

Oral Communications

Prioritization

Risk Management

Education

BA/BS Degree

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:

The local markets Credit Officer II role 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, real estate loans, and syndicated loans. The CO manages all of the ancillary credit exposure to clients. The CO 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 job includes responsibilities for structuring, negotiating, documenting credit analysis, independently assessing historic and projected borrower financial information, evaluating adherence to policy and procedure, providing loan structure analysis and recommendations, and monitoring portfolio performance. This role reports to the Commercial Credit Executive that supports the market.

Responsibilities:

• Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facility


• Collaborates with Client Management teams to perform analysis of credit opportunities and prospects at the bank


• Manages client and prospect originations including initial credit structuring, underwriting, legal documentation review, and deal closing


• Delivers on data accuracy and quality of underwriting metrics in compliance with internal policies and procedures


• Monitors the client's operating performance and financial condition, proactively identifying issues and opportunities


• Monitors assigned portfolios of client loan maturities and collaborates with Analysts to continuously recognize and address risks in a timely manner


• Escalates and debates deteriorating assets in partnership with the Special Assets Group and Risk as appropriate


• Participates in Regional and Market meetings to communicate credit delivery best practices and results

Skills:

• Collaboration


• Decision Making


• Loan Structuring


• Underwriting


• Written Communications


• Analytical Thinking


• Attention to Detail


• Credit Documentation Requirements


• Interpret Relevant Laws, Rules, and Regulations


• Mentoring


• Issue Management


• Negotiation


• Oral Communications


• Prioritization


• Risk Management

Required Qualifications:

• 10+ years of solid Commercial Banking Underwriting 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

Pay Transparency details

US - CT - Hartford - 185 ASYLUM ST - CITY PLACE 1 (CT2500), US - MA - Boston - 100 Federal St - 100 Federal St Lp (MA5100), US - NJ - Iselin - 194 WOOD AVE S (NJ7550), US - NY - New York - 115 W 42nd St - BANK OF AMERICA TOWER AT ONE BRYANT PARK (NY5362), US - RI - Providence - 1 Financial Plz - 1 Financial Plaza (RI1537)Pay and benefits informationPay range$137,500.00 - $175,000.00 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.