Credit Officer II

Job Description: At 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!

Job Description: Bank of America's Healthcare Education and Not For Profit (HENFP) banking group is seeking a Credit Officer II. HENFP is part of the Commercial Bank and supports the financial needs of a variety of 501c3 not for profit clients including healthcare, private universities, colleges and K-12 schools, cultural, professional and social service organizations. The Credit Officer II (CO II) 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, tax exempt financing, and syndicated loans. The CO II manages all of the ancillary credit exposure to clients. The CO II 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 role reports to the Commercial Credit Manager, partners with Relationship Management and Treasury Sales Officers and is aligned with an Underwriting Team that supports the market.

Responsibilities

• Provides capital structure solutions
• Builds relationships with existing and prospective clients
• Negotiates credit documentation
• Manages the credit process for a portfolio of clients
• Leads the credit and risk approval processes
• Mentors and supports associates

Skills

Client Solutions Advisory Customer and Client Focus Decision Making Credit Documentation Requirements Issue Management Account Management Loan Structuring Financial Analysis Risk Management Underwriting Credit and Risk Assessment Analytical Thinking Coaching Collaboration Critical Thinking

Required Qualifications

10+ years of solid Commercial Banking Experience (Middle Market, Leverage Finance or Large Corporate level or other complex business loans) Strong communication skills; ability to communicate vertically, horizontally, and externally Experience in financial analysis, structuring, underwriting and portfolio management Analytical/technical skills, including financial accounting, modeling and loan structuring Industry knowledge across multiple sectors

Minimum Education Requirement

BA/BS Degree

Shift

1st shift (United States of America)

Hours Per Week

40

Pay Transparency details

US - NY - New York - 115 W 42nd St - BANK OF AMERICA TOWER AT ONE BRYANT PARK (NY5362)

Pay range $125,000.00 - $225,000.00 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.

Privacy Statement

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection.

Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day.

One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world.

We’re devoted to being a diverse and inclusive workplace for everyone.

We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well‑being.

Bank of America believes both in the importance of working together and offering flexibility to our employees.

We use a multi‑faced approach for flexibility, depending on the various roles in our organization.

Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference.

Join us!

Partnering Locally

Learn about some of the ways Bank of America is making a difference in the communities we serve.

Global Impact

Learn about the six areas that guide Bank of America’s efforts to help make financial lives better for customers, clients, communities and our teammates.

Opportunity and Inclusion

Each employee brings unique skills, background and opinions. We see opportunity and inclusion as our platform for innovation and a key component in our success.

Our Values

Learn about our four values that represent what we believe.

Pay Transparency