Credit Officer II - Energy

Bank of America; Houston (TX); On-site; USD 150,000 - 190,000; Full time

Job summary

Bank of America in Houston seeks a senior credit officer to manage complex energy client relationships and lead underwriting decisions for large corporate loans.

You will mentor associates, coordinate with risk, legal, and banking partners, and ensure adherence to regulatory requirements while driving loan growth.

Qualifications

• 10+ years of progressively responsible experience in finance or related field.
• Energy industry experience preferred (oil & gas, power, etc.).
• Knowledge of energy market dynamics and credit risk factors.
• Ability to ensure compliance with lending policies and regulations.

Responsibilities

• Assess clients' credit needs with relationship management and product partners.
• Lead loan structure discussions and negotiate documentation.
• Drive credit and risk approvals for new originations and modifications.
• Monitor portfolio in compliance with policies and regulatory requirements.
• Develop internal relationships with Corporate and Investment Banking, Risk, Legal.

Skills

Business Acumen

Coaching

Decision Making

Hiring and Onboarding

Loan Structuring

Collaboration

Credit Documentation Requirements

Oral Communications

Risk Management

Written Communications

Change Management

Client Solutions Advisory

Executive Presence

Organizational Effectiveness

Underwriting

Education

Bachelor's degree or equivalent in Business Administration, Finance, Economics, Accounting, or related experience

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, strong leadership skills, the ability to provide feedback to less experienced teammates and may also manage a team. Responsibilities will also include supporting commercial and large corporate client relationships within the Energy industry.

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
• Negotiates credit and trading documentation, including loan credit agreements and amendments, ISDAs, and CSAs
• Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the client's credit lifecycle.
• Develop, maintain, and manage internal relationships with various business partners, including those in Corporate and Investment Banking, Sales & Trading, Risk Management, Syndications, and Legal

Required Qualifications

• 10+ years of progressively responsible experience in the job offered, or a related Finance occupation
• Strong preference for individuals with relevant experience within the Energy industry
• Credit Officer evaluates large and sophisticated credit exposures across oil & gas, midstream, refining and marketing, oilfield services, and power & utilities sectors
• Assist in the management of criticized and classified assets by providing analysis and formal credit recommendations.
• Partners with Relationship Managers, and Risk partners to facilitate timely credit decisions
• Ensure compliance with lending policies, credit procedures, and regulatory expectations
• Strong understanding of energy market dynamics and Energy industry-specific risk factors, financial statement analysis, cash flow analysis, and commercial credit, credit structures, cash management and traded products
• Excellent analytical, decision-making, and problem-solving skills.
• Strong written, verbal, and presentation skills.
• Proficiency in Microsoft Office applications, particularly Word, Excel and PowerPoint.

Desired Qualifications

• Bachelor's degree or equivalent in Business Administration, Finance, Economics, Accounting, or related experience
• Strong ability to assess credit risk, evaluate complex lending structures, and recommend appropriate terms, covenants, and collateral requirements.
• Expertise in analyzing financial statements, cash flow projections, leverage, liquidity, repayment capacity, and overall borrower creditworthiness.
• Knowledge of energy transition trends , and evolving regulatory requirements.

Skills

• Business Acumen
• Coaching
• Decision Making
• Hiring and Onboarding
• Loan Structuring
• Collaboration
• Credit Documentation Requirements
• Oral Communications
• Risk Management
• Written Communications
• Change Management
• Client Solutions Advisory
• Executive Presence
• Organizational Effectiveness
• Underwriting

Shift

1st shift (United States of America)

Hours Per Week

40