Credit Officer II-Asset Based Lending

Job Overview Credit Officer II focuses on asset‑based lending to global commercial and investment banking clients, managing credit risk, and driving growth of funded loans and credit revenue. Responsibilities Partner with relationship management and product partners to assess clients’ credit needs and design solutions. Lead loan structure conversations and negotiate loan documentation with clients and legal partners. Drive credit and risk approval processes for new originations, renewals, increases, and modifications. Lead ongoing monitoring of a portfolio of clients, ensuring compliance with regulations, policy, and procedure. Drive the growth of funded loans and revenue while mitigating risks, maintaining asset quality, and adhering to regulatory requirements. Act as an escalation point for complex credit transactions. Mentor and support associates. Manage a portfolio of asset‑based structured loans, proactively identifying new credit solutions and opportunities to grow funded loans and spreads. Actively monitor financial and collateral trends and recommend appropriate action. Review requests for loan modifications. Analyze financial performance, negotiate credit terms, draft proposals, review and negotiate loan documents, and oversee preparation of recommendations for approval. Participate in building client relationships. Handle both performing credits and distressed/turnaround credits, including managing accounts through restructuring and bankruptcy processes. Required Qualifications 10+ years’ experience in asset‑based lending, commercial banking, or private credit. Sound understanding of credit, transaction structuring, financial and collateral analysis. Strong knowledge of legal documentation and ability to draft concise, accurate credit approvals with minimal oversight. Effective communication and client‑relationship management skills. Experience partnering with relationship managers and product partners across the bank to support business growth. Desired Qualifications Bachelor’s or Master’s degree (or equivalent experience) preferred. Formal credit training, especially with bankruptcy and restructuring matters. Proficiency in business acumen, underwriting, risk management, client solutions advisory, executive presence, and critical thinking. Strong collaboration, coaching, decision‑making, and organizational effectiveness skills. Work Schedule Shift: 1st shift (United States); Hours per week: 40. Pay and Incentives Annualized base salary range: $119,000 – $200,000, based on experience, education, and skill set. Eligible for annual discretionary incentives. Benefits Industry‑leading benefits including paid time off, comprehensive health coverage, and resources to support employees’ physical, emotional, and financial well‑being. #J-18808-Ljbffr Bank of America