Energy Credit Leader - Underwriting & Risk

Bank of America; Georgia; On-site; USD 140,000 - 230,000; Full time

Job summary

Bank of America seeks an experienced Credit Officer to manage client relationships and related credit products within the energy sector. You will partner with relationship managers, lead loan structuring discussions, and drive credit decisions while monitoring risks and ensuring regulatory compliance.

The role requires deep financial analysis, cash flow modeling, and strong communication skills to support complex credit transactions and mentor junior staff.

Qualifications

• 10+ years of progressively responsible experience in the job offered, or a related Finance occupation.
• Credit Officer evaluates large and sophisticated credit exposures across oil & gas, midstream, refining and marketing, oilfield services, and power & utilities sectors.
• 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.
• Strong written, verbal, and presentation skills.

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

Skills

Credit underwriting

Energy sector know-how

Credit analysis

Cash flow analysis

Loan structuring

Risk management

Regulatory compliance

Excel

Communication skills

Presentation skills

Mentoring

Stakeholder collaboration

Education

Bachelor’s degree or equivalent

Job description

Bank of America seeks an experienced Credit Officer to manage client relationships and related credit products within the energy sector. You will partner with relationship managers, lead loan structuring discussions, and drive credit decisions while monitoring risks and ensuring regulatory compliance.

The role requires deep financial analysis, cash flow modeling, and strong communication skills to support complex credit transactions and mentor junior staff.