Credit Officer II-Commercial Real Estate Banking Credit

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 impacting 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. This job is responsible for managing clients and related credit products, partnering closely with relationship management, sales/trading, treasury management, operations and risk teams to support the client relationship. Key responsibilities include underwriting, monitoring, managing operational needs and/or client requests. Job expectations include credit‑focused client management responsibilities, independent thought leadership, strong leadership skills, the ability to provide feedback to less experienced teammates and may also manage a team. The Credit Officer is the primary credit relationship contact with the client. The CO leads credit originations/modifications and is directly responsible to coordinate and collaborate with client management, syndications (as needed), and credit risk. The CO, along with an assigned Underwriter (UW), will work directly with clients from initial assessment, deal structuring, final credit approval, legal document negotiations and closing. The CO will also advise the CREB Portfolio Management with any post‑closing actions if needed and manage credit actions as they arise from portfolio monitoring. The CO is a member of the CREB market team and is aligned to LOB regions/markets and is assigned a portfolio of clients. The CO is typically an individual contributor who reports to the Market Credit Executive. The CO holds credit approval authority. The CO maintains knowledge of other BofA products including Investment Banking and Treasury Management and leverages product expertise to deliver the best possible and optimally integrated strategic solution for the client or prospect. The role is balanced between analysis of clients and prospects and their industries, design and execution of solutions, and the active management of asset quality. Client facing, the CO collaborates with the Relationship Manager (RM), Treasury Solutions Officer (TSO), and other product partners, when needed, to assess client needs, design integrated solutions and deliver the bank to clients and prospects. Successful candidates will possess functional expertise (CRE underwriting/structuring, Credit Facility Agreement negotiations with Legal Counsel), strong written and verbal communication skills, and will have demonstrated strong performance with a focus on collaboration, driving operational excellence and the ability to influence leaders, peers, and clients. Responsibilities Partners with relationship management and product partners to assess clients’ credit needs and create solutions Leads loan structure conversations and negotiates loan documentation with clients and internal/external legal partners Drives credit and risk approval processes for new credit originations, renewals, increases, and modifications Leads ongoing monitoring efforts for a portfolio of clients in compliance with regulations, policy and procedure Drives the growth of funded loans and revenue while mitigating risks, maintaining asset quality and adhering to regulatory requirements Serves as an escalation point for complex credit transactions Mentors and supports associates Lead the Origination/Modification/Structuring of Credit Facilities Manage underwriting, credit approval process, portfolio management Engage legal counsel / Lead document review and closing process with Underwriter assistance Required Qualifications 5+ years' experience in commercial real estate financial lending Solid experience in financial analysis, structuring, underwriting and portfolio management, strong communication and analytical/technical skills, including financial accounting, modeling and loan structuring and documentation Familiarity with core banking products Understanding of the regulations that govern Banking and CRE lending Maintains knowledge of other banking products including Investment Banking, Interest Rate Hedging, 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 Skills Business Acumen Coaching Decision Making Hiring and Onboarding Loan Structuring Collaboration Credit Documentation Requirements Oral Communications Risk Management Written Communications Change Management Executive Presence Organizational Effectiveness Underwriting Minimum Education Requirement High School Diploma / GED / Secondary School or equivalent Shift 1st shift (United States of America) Hours Per Week 40 Pay Transparency details Location: US – IL – Chicago – 110 N Wacker Dr – Bank Of America Tower Chicago (IL4110). Pay range: $151,000.00 – $200,000.00 annualized salary, offers to be determined based on experience, education and skill set. Discretionary incentive: 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. #J-18808-Ljbffr Bank of America