Credit Analyst III/Credit Officer-Global Markets Credit/Specialty Finance

Credit Analyst III/Credit Officer-Global Markets Credit/Specialty Finance

New York, New York

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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:

The Credit Analyst III/Credit Officer assists with financing facilities secured by credit related and other corporate assets and in ensuring robust and consistent credit underwriting for Global Markets lending and trading activities.

The Credit Analyst III/Credit Officer will be expected to develop subject matter expertise in US credit and Collateralized Loan Obligation related financing products and perform credit and structural analysis of proposed transactions. The Credit Analyst III/Credit Officer will work closely with other team members, FLU, and risk partners and help drive loan growth and ensure robust portfolio management with minimal oversight

Responsibilities:

• Review new business opportunities being presented by the front line, provide early feedback on structure/terms and client selection in the screening process to ensure transactions fit within risk appetite

• Partner with front line unit and credit officers to structure, underwrite, and document credit solutions for clients and ensure robust ongoing monitoring. Escalate and debate key findings when appropriate.

• Preparation of underwriting materials, creation and submission of credit approval memos, and securing appropriate credit and risk approvals.

• Establish appropriate internal risk ratings for counterparties and implement accurate adjustments throughout the client's credit life cycle

• Engage partners including other parts of Enterprise Credit, client coverage areas, legal, and market risk as required

• Support firm-wide Enterprise Credit initiatives including adherence with operational and governance processes and liaise with applicable stakeholders across the firm on emerging topics

Required Qualifications:

• 3 + years of experience with Commercial/Corporate credit risk management, credit underwriting, structuring, loan origination, or public rating agencies. Structured finance experience preferred

• Strong understanding of corporate finance and accounting concepts

• Proficiency with Word, Excel and PowerPoint, along with ability to quickly learn new programs and applications

Desired Qualifications:

• Bachelor's Degree: Finance, Accounting, or Economics majors preferred with strong academic credentials.

• Structured Finance Experience

Skills:

• Attention to Detail

• Client Management

• Decision Making

• Underwriting

• Credit Documentation Requirements

• Critical Thinking

• Portfolio Management

• Problem Solving

• Written Communications

• Financial Analysis

• Negotiation

Shift:

1st shift (United States of America)

Hours Per Week:

40

Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates.

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Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank’s required accommodation request process before your first day of work.

This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.