Senior Commercial Credit Officer

Bank of America; Providence (RI); On-site; USD 138,000 - 175,000; Full time

Benefits offered by this job

Incentive plan

Benefits package

Job summary

Bank of America in Providence, RI is seeking an experienced Credit Officer II to provide expert advisory on complex debt capital solutions for commercial banking clients. The role covers structuring, underwriting, and monitoring loan portfolios while coordinating with Treasury and Investment Banking teams.

The position requires deep underwriting expertise, strong communication, and the ability to manage multiple high-stakes credit opportunities within a collaborative, in-office environment.

Qualifications

• 10+ years of solid Commercial Banking Underwriting experience.
• Experience in financial analysis, structuring, underwriting and portfolio management.
• Analytical/technical skills, including financial accounting, modeling and loan structuring.
• Strong communication skills; ability to communicate vertically, horizontally, and externally.
• Industry knowledge across multiple sectors.

Responsibilities

• Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facility.
• Collaborates with Client Management teams to perform analysis of credit opportunities and prospects at the bank.
• Manages client and prospect originations including initial credit structuring, underwriting, legal documentation review, and deal closing.
• Delivers on data accuracy and quality of underwriting metrics in compliance with internal policies and procedures.
• Monitors the client's operating performance and financial condition, proactively identifying issues and opportunities.
• Monitors assigned portfolios of client loan maturities and collaborates with Analysts to continuously recognize and address risks in a timely manner.
• Escalates and debates deteriorating assets in partnership with the Special Assets Group and Risk as appropriate.
• Participates in Regional and Market meetings to communicate credit delivery best practices and results.

Education

BA/BS Degree

Job description

Bank of America in Providence, RI is seeking an experienced Credit Officer II to provide expert advisory on complex debt capital solutions for commercial banking clients. The role covers structuring, underwriting, and monitoring loan portfolios while coordinating with Treasury and Investment Banking teams.

The position requires deep underwriting expertise, strong communication, and the ability to manage multiple high-stakes credit opportunities within a collaborative, in-office environment.