Senior Credit Officer - Complex Commercial Lending

Bank of America; New York (NY); On-site; USD 120,000 - 190,000; Full time

Job summary

Bank of America is seeking a seasoned Credit Officer II for our local markets with deep experience in debt capital solutions for commercial banking clients. You will structure, underwrite, and monitor credits across lines of credit, term loans, real estate and syndicated facilities, partnering with client management teams to deliver integrated solutions.

The role demands strong financial analysis, policy adherence, and collaboration with cross-functional teams.

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.

Skills

Collaboration

Decision Making

Loan Structuring

Underwriting

Written Communications

Analytical Thinking

Attention to Detail

Credit Documentation Requirements

Interpret Relevant Laws, Rules, andReg

Mentoring

Issue Management

Negotiation

Oral Communications

Prioritization

Risk Management

Education

BA/BS Degree Desired

Job description

Bank of America is seeking a seasoned Credit Officer II for our local markets with deep experience in debt capital solutions for commercial banking clients. You will structure, underwrite, and monitor credits across lines of credit, term loans, real estate and syndicated facilities, partnering with client management teams to deliver integrated solutions.

The role demands strong financial analysis, policy adherence, and collaboration with cross-functional teams.