Senior Credit Officer: Complex Debt Solutions

Bank of America; North Carolina; On-site; USD 119,000 - 200,000; Full time

Benefits offered by this job

Discretionary incentive eligible

Annual discretionary plan

Job summary

Bank of America is seeking a Credit Officer II to manage and monitor credit risk for a client portfolio. You will lead complex underwriting, coordinate with RM and product teams, and drive risk-based credit solutions across the dealer finance spectrum.

The role requires senior analytical ability, leadership, and collaboration to maintain asset quality and support the bank's risk framework.

Qualifications

• 7+ years commercial credit underwriting and analysis experience.
• Strong knowledge of loan and collateral documentation.
• Ability to analyze borrower financials and present risk analyses.

Responsibilities

• Oversee creditworthiness of borrowers based on due diligence and financial analysis.
• Apply delegated approval authority for lending decisions and terms.
• Lead and mentor credit analysts and associates.
• Collaborate with Relationship Managers and product partners to design credit solutions.
• Monitor portfolio risk and ensure adherence to risk appetite.

Skills

Credit analysis

Risk assessment

Financial statement analysis

Relationship management

Underwriting

Microsoft Office

Education

Bachelor's degree in Finance or Accounting

Tools

Microsoft Office

Job description

Bank of America is seeking a Credit Officer II to manage and monitor credit risk for a client portfolio. You will lead complex underwriting, coordinate with RM and product teams, and drive risk-based credit solutions across the dealer finance spectrum.

The role requires senior analytical ability, leadership, and collaboration to maintain asset quality and support the bank's risk framework.