Credit Officer II-Dealer Financial Svs

Job Overview

Bank of America is a leading financial services company driven by Responsible Growth. This role focuses on credit risk management for a portfolio of clients.

Job Description

This job is responsible for managing, monitoring, and documenting credit risk for a portfolio of clients. Responsibilities include monitoring changes in credit profiles, compliance with credit agreements, structuring and underwriting financing solutions, assessing risk solutions aligned with the bank's risk appetite, coaching and leading team members, and serving as a line/credit approver.

Responsibilities

• Oversees and assesses the credit worthiness of borrowers based on due diligence findings, financial statement analysis, forecasting, and analysis of company and industry risks.
• Acts as a senior coverage team resource supporting ongoing credit matters and asset quality, maintaining adherence to the bank's risk appetite and risk strategies.
• Leads new credit originations in coordination with Relationship Managers, Risk, Syndications, Treasury, and other product partners.
• Negotiates and structures legal documentation related to loans and derivatives.
• Establishes appropriate internal risk ratings for clients and implements accurate adjustments throughout the credit life cycle.
• Trains, coaches, and mentors Credit Analysts and Associates.
• Serves as a key member of the Commercial Client Team, ensuring a favorable client experience and the bank's ability to expand relationships.
• Interacts with clients and prospects to understand their financial goals and objectives.
• Underwrites and structures complex credit transactions with minimal oversight.
• Oversees monitoring of the assigned portfolio to maintain credit quality and manage changes.

Required Qualifications

• Minimum of 7 years commercial credit underwriting and analysis with a commercial bank or OEM captive finance organization.
• Strong knowledge of loan and collateral documentation.
• Ability to accurately analyze borrower’s financial picture and deliver comprehensive risk analysis.
• Confidence and ability to develop an independent viewpoint and present a business case.
• Excellent relationship management skills, experience working in a team environment, and ability to influence diverse stakeholders.
• Coaching and mentoring skills.
• Strong Microsoft Office skills.

Desired Qualifications

• Minimum of 10 years commercial credit underwriting and analysis with a commercial bank or OEM captive finance organization in the auto retail space.
• Direct customer‑facing experience in a goal‑oriented environment.
• Bachelor’s degree in Finance or Accounting.

Skills

• Analytical Thinking
• Credit and Risk Assessment
• Financial Analysis
• Loan Structuring
• Underwriting
• Attention to Detail
• Business Acumen
• Financial Forecasting and Modeling
• Research Analysis
• Written Communications
• Business Development Collaboration
• Critical Thinking
• Portfolio Analysis
• Stakeholder Management
• Business Acumen
• Coaching
• Decision Making
• Hiring and Onboarding
• Loan Structuring
• Collaboration
• Credit Documentation
• Oral Communications
• Risk Management
• Written Communications
• Change Management
• Client Solutions Advisory
• Executive Presence
• Organizational Effectiveness
• Underwriting

Compensation & Benefits

Pay range: $99,000.00 – $225,000.00 annualized salary, with incentive eligibility. Benefits include industry‑leading benefits, paid time off, and resources to support physical, emotional, and financial well‑being.

Other Information

Shift: 1st shift (United States). Hours per week: 40. Work locations: Boston, MA; Buffalo, NY. Pay transparency details: Privacy statement: