Credit Officer II

Credit Officer IIAt Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates' physical, emotional, and financial wellness through affordable, competitive and flexible benefits. We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve. Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!The local markets Credit Officer II role is a highly skilled resource, providing expert level advisory guidance in the most complex, integrated debt capital solutions for commercial banking clients. Products include lines of credit, term loans, real estate loans, and syndicated loans. The CO manages all of the ancillary credit exposure to clients. The CO maintains knowledge of other BofA products including Investment Banking and Treasury Management that have credit exposure, and leverages product expertise to deliver the best possible and optimally integrated strategic solution for the client or prospect. This job includes responsibilities for structuring, negotiating, documenting credit analysis, independently assessing historic and projected borrower financial information, evaluating adherence to policy and procedure, providing loan structure analysis and recommendations, and monitoring portfolio performance. This role reports to the Commercial Credit Executive that supports the market.Responsibilities:Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facilityCollaborates with Client Management teams to perform analysis of credit opportunities and prospects at the bankManages client and prospect originations including initial credit structuring, underwriting, legal documentation review, and deal closingDelivers on data accuracy and quality of underwriting metrics in compliance with internal policies and proceduresMonitors the client's operating performance and financial condition, proactively identifying issues and opportunitiesMonitors assigned portfolios of client loan maturities and collaborates with Analysts to continuously recognize and address risks in a timely mannerEscalates and debates deteriorating assets in partnership with the Special Assets Group and Risk as appropriateParticipates in Regional and Market meetings to communicate credit delivery best practices and resultsSkills:CollaborationDecision MakingLoan StructuringUnderwritingWritten CommunicationsAnalytical ThinkingAttention to DetailCredit Documentation RequirementsInterpret Relevant Laws, Rules, and RegulationsMentoringIssue ManagementNegotiationOral CommunicationsPrioritizationRisk ManagementRequired Qualifications:10+ years of solid Commercial Banking Underwriting experienceExperience in financial analysis, structuring, underwriting and portfolio managementAnalytical/technical skills, including financial accounting, modeling and loan structuringStrong communication skills; ability to communicate vertically, horizontally, and externallyIndustry knowledge across multiple sectorsMinimum Education Requirement: BA/BS Degree DesiredShift: 1st shift (United States of America)Hours Per Week: 40Pay Transparency detailsPay range $137,500.00 - $175,000.00 annualized salary, offers to be determined based on experience, education and skill set. Discretionary incentive eligible. This role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company. Benefits This role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve. Bank of America