Senior Commercial Credit Architect

Bank of America Corporation; Maryland Heights (MO); On-site; USD 120,000 - 180,000; Full time

Job summary

Bank of America is seeking a Credit Officer II to provide expert advisory in complex debt capital solutions for commercial banking clients. You will manage credit exposures, leverage product knowledge across banking services, and partner with relationship managers to deliver integrated solutions.

Responsibilities include leading credit and risk approvals, building client relationships, and mentoring junior staff. A BA/BS is typically required with extensive experience in commercial lending.

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

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

Issue Management

Account Management

Loan Structuring

Financial Analysis

Risk Management

Underwriting

Credit and Risk Assessment

Analytical Thinking

Coaching

Collaboration

Critical Thinking

Education

BA/BS Degree Desired

Job description

Bank of America is seeking a Credit Officer II to provide expert advisory in complex debt capital solutions for commercial banking clients. You will manage credit exposures, leverage product knowledge across banking services, and partner with relationship managers to deliver integrated solutions.

Responsibilities include leading credit and risk approvals, building client relationships, and mentoring junior staff. A BA/BS is typically required with extensive experience in commercial lending.