Senior Credit Officer — Complex Lending & Advisory

Bank of America Corporation; New York (NY); On-site; USD 140,000 - 190,000; Full time

Job summary

Bank of America Corporation in New York is seeking a local markets Credit Officer II to provide expert advisory in debt capital solutions for commercial clients. You will evaluate credit requests, structure loans, and work with management to deliver integrated financing packages.

This role requires deep underwriting experience, strong communication, and the ability to manage portfolios and relationships across 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

Job description

Bank of America Corporation in New York is seeking a local markets Credit Officer II to provide expert advisory in debt capital solutions for commercial clients. You will evaluate credit requests, structure loans, and work with management to deliver integrated financing packages.

This role requires deep underwriting experience, strong communication, and the ability to manage portfolios and relationships across teams.