Leasing Credit Officer II

Bank of America; Chicago (IL); On-site; USD 70,000 - 168,000; Full time

Job summary

A leading financial institution seeks a Leasing Credit Officer II to deliver integrated credit solutions and manage client portfolios. The role involves underwriting, risk assessment, and collaboration with client-facing teams to provide tailored financial solutions. Candidates should have significant experience in commercial banking and strong analytical skills.

Qualifications

• 5+ years’ experience in commercial banking, leasing, or finance.
• 2+ years’ experience with financial statement analysis.
• Ability to analyze and negotiate third-party documentation.

Responsibilities

• Evaluate new credit opportunities and assess risks.
• Underwrite new transactions and negotiate deals.
• Manage credit processes for a portfolio of clients.

Skills

Financial Analysis

Loan Structuring

Risk Management

Underwriting

Analytical Thinking

Collaboration

Customer and Client Focus

Education

Undergraduate degree in Finance or Accounting

MBA

Tools

Microsoft Office

Job description

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This range is provided by Bank of America. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

Base pay range

$70,000.00/yr - $167,200.00/yr

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 is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates’ physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.

Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.

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 the delivery of integrated credit solutions to clients as well as on-going portfolio management. Key responsibilities include underwriting and negotiating new transactions, partnering with client-facing teammates to consult on sales opportunities, and providing the product expertise to deliver effective client solutions. Job expectations include providing on-going monitoring of client portfolios, ensuring accurate and timely analysis of financial statements, assignment of risk ratings, and required client reviews.

The client team members are responsible for interacting with financing product specialists for Healthcare, Education & Not-For-Profit Finance.

Responsibilities:

• Evaluates new end-user credit opportunities including identification and assessment of risks and identifies mitigating factors
• Partners with client-facing teammates to consult on sales opportunities and provide the product expertise and consultation necessary to deliver the best possible solution to the client
• Underwrites new transactions, analyzes credit risk, negotiates and closes deals, while adhering to internal policy, procedures and regulatory requirements
• Structures the terms of a lease/loan with respect to the various aspects that make up a lease/loan (e.g. pricing, rates, payment, term, collateral)
• Manages the credit process for a portfolio of clients including reviewing financial statements, assessing the client's compliance with financial covenants, confirming the accuracy of risk ratings, and recommending changes as warranted
  
  

Required Qualifications:

• 5+ years’ experience in commercial banking, leasing, insurance, finance or rating agency industries with significant credit experience in Healthcare, Education & Not-For-Profit
• 2+ years’ experience with presentation, structuring and financial statement analysis
• Demonstrated ability to analyze, interpret and negotiate third party documentation
• Experience identifying trends and emerging risks in underwriting and client selection
• Proficient Microsoft Office skills
  
  

Desired Qualifications:

• Experience in the analysis and structuring of complex transactions
• Undergraduate degree in Finance or Accounting, MBA a plus
  
  

Skills:

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

Shift:

1st shift (United States of America)

Hours Per Week:

40

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance and Sales

• Industries

  Hospitals and Health Care, Non-profit Organizations, and Government Administration

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