Senior Credit Officer — Complex Commercial Underwriting

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

Benefits offered by this job

Benefits eligible

Discretionary bonus plan

Job summary

Bank of America seeks a Credit Officer II in the United States to deliver expert advisory for commercial debt capital solutions, including lines of credit, term loans, real estate loans, and syndicated facilities. The role requires deep credit analysis and portfolio oversight and reports to the Commercial Credit Executive.

The position emphasizes structuring, underwriting, policy adherence, and collaboration with client teams across markets, with a 40-hour work week and first-shift hours in

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.

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

Laws & Regulations

Mentoring

Negotiation

Oral Communications

Prioritization

Risk Management

Education

BA/BS Degree

Job description

Bank of America seeks a Credit Officer II in the United States to deliver expert advisory for commercial debt capital solutions, including lines of credit, term loans, real estate loans, and syndicated facilities. The role requires deep credit analysis and portfolio oversight and reports to the Commercial Credit Executive.

The position emphasizes structuring, underwriting, policy adherence, and collaboration with client teams across markets, with a 40-hour work week and first-shift hours in