Merrill Lending Solutions Advisor II

Bank of America; Seattle (WA); On-site; USD 120,000 - 160,000; Full time

Job summary

Bank of America is looking for a Merrill Lending Solutions Advisor in Seattle, WA to enhance lending solutions across Merrill Wealth Management. This client-facing role targets Ultra High Net Worth clients, involving business development, credit activities, and advisor education. With a minimum of 12 years experience in wealth management or credit advisory roles, candidates should exhibit strong communication skills and a solid understanding of custom credit structuring. The role offers a dynamic work environment and the opportunity to influence lending strategies.

Qualifications

• 12+ years of experience in wealth management, commercial lending, or credit advisory roles.
• Strong interpersonal and communication skills, with ability to build trust and credibility with advisors and leadership.
• Proven ability to educate and influence financial advisors on complex lending solutions.

Responsibilities

• Drive growth by increasing advisor engagement and UHNW household penetration.
• Conduct book reviews and one-on-one advisor education sessions.
• Lead initial client/prospect calls to discuss lending capabilities.

Skills

Business Development

Client Management

Loan Structuring

Relationship Building

Active Listening

Credit Analysis

Presentation Skills

Collaboration

Strategic Thinking

Pipeline Management

Problem Solving

Sales Strategy

Education

Bachelor's degree preferred

Job description

Job Description

The Merrill Lending Solutions Advisor is a client- and advisor-facing role focused on driving adoption of lending solutions across Merrill Wealth Management. The Advisor is embedded within the business to lead targeted business development efforts, primarily with Private Wealth Advisors and Merrill Financial Advisors with a concentrated focus on Ultra High Net Worth (UHNW) clients. They serve as the first point of contact for early-stage lending conversations and partner closely with GWIM Credit Advisors to deliver a seamless advisor and client experience, from opportunity identification through deal structuring and execution.

The role also directs and manages credit activities for a group of Private Wealth Management geographic markets including underwriting, risk analysis, approval, and monitoring credit quality. Responsibilities include evaluating all credit exposure within assigned region, nurturing talent, exercising credit approval authority, and balancing risk management with growth and profitability objectives.

Responsibilities

• Drive growth by increasing advisor engagement and UHNW household penetration through education, opportunity identification, and early-stage client engagement
• Conduct book reviews and one-on-one advisor education sessions to uncover lending opportunities
• Lead initial client/prospect calls to discuss lending capabilities and gather financial information
• Pre-screen custom lending opportunities for alignment with GWIM lending guidelines and risk policy
• Prepare high-level deal memos and coordinate on potential opportunities with Credit Advisors
• Serve as advisor contact for key moments and escalations, as needed
• Present and participate in Division, Market, and office-level meetings, lending panels, roadshows, and client events
• Partner on deal structure, terms, and pricing with Credit Advisors (Credit Advisors retain pricing and approval authority)
• Stay current on lending solutions, risk policy, regulatory changes, and industry standards
• Identify incremental lending opportunities through renewals and loan modifications
• Contribute to Merrill Lending Solutions Group strategy, including product innovation and lending practice improvements

Required Qualifications

• 12+ years of experience in wealth management, commercial lending, or credit advisory roles
• Strong interpersonal and communication skills, with ability to build trust and credibility with advisors and leadership
• Proven ability to educate and influence financial advisors on complex lending solutions
• Strong understanding of UHNW client needs and custom credit structuring
• Ability to manage multiple opportunities and deliver a high-quality advisor and client experience
• Familiarity with credit policy, risk management, and regulatory frameworks
• FINRA licenses: SIE, 7, 63 & 65 or 66, required

Desired Qualifications

• Bachelor's degree preferred
• Experience structuring loans secured by commercial real estate, marketable securities, hedge funds, artwork, or other non-traditional collateral
• Skills in business development, relationship management, client engagement, and strategic thinking
• Business Development
• Client Management
• Loan Structuring
• Relationship Building
• Active Listening
• Credit Analysis
• Presentation Skills
• Collaboration
• Strategic Thinking
• Pipeline Management
• Problem Solving
• Sales Strategy

Shift

1st shift (United States of America)

Hours Per Week

40