Credit Officer II

NBMBAA; Missouri; On-site; USD 110,000 - 150,000; Full time

Job summary

Bank of America in Missouri is seeking a Credit Officer II to provide expert advisory guidance in complex debt capital solutions for commercial banking clients, including lines of credit, term loans, tax-exempt financing, and syndicated loans. You will manage credit exposure and collaborate with Relationship Management and Treasury Sales.

The role reports to the Commercial Credit Manager and participates in an underwriting team; requires 10+ years of commercial banking experience, strong

Qualifications

• 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

Credit Analysis

Financial Modeling

Loan Structuring

Risk Management

Underwriting

Client Relationships

Analytical Thinking

Collaboration

Decision Making

Account 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 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