Credit Officer II

Bank of America; Houston (TX); On-site; USD 120,000 - 150,000; Full time

Job summary

Bank of America in Houston is seeking a Credit Officer II to provide expert advisory for complex debt capital solutions to commercial banking clients, including lines of credit, term loans, tax-exempt financing, and syndicated loans.

The role partners with Relationship Management, Treasury Sales, and underwriting teams, expects 10+ years in commercial banking, strong financial analysis and credit structuring, and will mentor junior staff.

Qualifications

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

Responsibilities

• Provides capital structure solutions
• Builds relationships with existing and prospective clients
• Negotiates credit documentation
• Manages the credit process for a portfolio of clients
• Leads the credit and risk approval processes
• Mentors and supports associates

Skills

Client Solutions Advisory

Customer and Client Focus

Decision Making

Credit Documentation Requirements

Issue Management

Account Management

Loan Structuring

Financial Analysis

Risk Management

Underwriting

Credit and Risk Assessment

Analytical Thinking

Coaching

Collaboration

Critical Thinking

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 Credit Officer II (CO II) 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, tax exempt financing, and syndicated loans. The CO II manages all of the ancillary credit exposure to clients. The CO II 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 role reports to the Commercial Credit Manager, partners with Relationship Management and Treasury Sales Officers and is aligned with an Underwriting Team that supports the market.

Responsibilities

• Provides capital structure solutions
• Builds relationships with existing and prospective clients
• Negotiates credit documentation
• Manages the credit process for a portfolio of clients
• Leads the credit and risk approval processes
• Mentors and supports associates

Skills

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

Required Qualifications

• 10+ years of solid Commercial Banking Experience (Middle Market, Leverage Finance or Large Corporate level or other complex business loans)
• Strong communication skills; ability to communicate vertically, horizontally, and externally
• Experience in financial analysis, structuring, underwriting and portfolio management
• Analytical/technical skills, including financial accounting, modeling and loan structuring
• Industry knowledge across multiple sectors

Minimum Education Requirement

BA/BS Degree Desired

Shift

1st shift (United States of America)

Hours Per Week

40