Bank of America Corporation

Credit Officer II

Bank of America Corporation$75K — $95K *
Finance & Insurance
8 - 10 years of experience
Job Overview by Ladders

Qualifications

  • 10+ years of experience in Commercial Banking, focusing on Middle Market, Leverage Finance, or Large Corporate loans
  • Strong vertical and horizontal communication skills
  • Proven expertise in financial analysis, structuring, underwriting, and portfolio management
  • Analytical skills in financial accounting, modeling, and loan structuring
  • Broad industry knowledge across various sectors

Responsibilities

  • Partner with relationship management and product teams to evaluate and fulfill clients' credit needs
  • Lead discussions on loan structures and negotiate documents with clients and legal advisors
  • Manage credit and risk processes for new loans, renewals, and modifications
  • Oversee compliance monitoring for client portfolios
  • Drive growth in funded loans while managing risks and adhering to regulations
  • Act as a point of escalation for complex credit transactions
  • Mentor junior associates and contribute to their development

Benefits

  • Collaborative work environment promoting teamwork and innovation
  • Opportunities for professional growth and development
  • Engagement in diverse industries, enhancing skill sets
  • Access to mentorship and coaching initiatives
  • Flexible work arrangements, subject to company policy
Full Job Description
Job Description:

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.

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


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


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 Desired

Shift:
1st shift (United States of America)

Hours Per Week:
40

About Bank of America Corporation

Bank of America Merrill Lynch is the corporate and investment banking division of Bank of America. It provides services in mergers and acquisitions, equity and debt capital markets, lending, trading, risk management, research, and liquidity and payments management. It was formed through the combination of the corporate and investment banking activities of Bank of America and Merrill Lynch following the acquisition of the latter by the former in January 2009. Bank of America completed the acquisition of Merrill Lynch & Co on 1 January 2009. Bank of America began rebranding all of its corporate and investment banking activities under the Bank of America Merrill Lynch name in September 2009. In April 2010, Bank of America Merrill Lynch appointed Christian Meissner as head of investment banking for Europe, Middle East and Africa. In April 2011, Bank of America Merrill Lynch integrated its corporate and investment banking operations into a single division. In October 2013, Bank of America Merrill Lynch was recognised as the Most Innovative Investment Bank of the Year in The Banker's Investment Banking Awards.

Bank of America Corporation Careers

Join the dynamic team at Bank of America Corporation, a premier global financial institution where innovation, leadership, and growth go hand in hand. As one of the largest banks in the world, we offer unparalleled job opportunities and a culture that values diversity, inclusion, and professional growth. Work You’ll Do At Bank of America Corporation, you’ll be part of a team that’s dedicated to making a real difference. Whether you’re helping families buy their first home, advising businesses on expansion, or developing cutting-edge financial technologies, your work will have an impact. Our commitment to leadership in the financial industry has never been stronger, and we need passionate, skilled professionals to lead our journey. Explore a World of Opportunities From entry-level positions to leadership roles, Bank of America Corporation offers a variety of career paths in areas such as investment banking, technology, marketing, and risk management. Our job opportunities span the globe, providing the chance to work alongside the best in the industry and develop skills that will propel your career forward. Internship Programs Kickstart your career with Bank of America Corporation’s internship programs. These opportunities provide hands-on experience and a chance to engage in meaningful work that complements your academic studies. Interns gain invaluable networking opportunities, receive mentorship from seasoned professionals, and learn about the culture and operations of a global financial leader. Benefits and Growth Bank of America Corporation is committed to the well-being and continuous professional development of our team members. We offer a competitive benefits package that supports the health, financial stability, and work-life balance of our employees. Our training programs and development initiatives ensure that every team member has the opportunity to grow and advance within the company. Inclusive Culture We believe our strength lies in our diversity. Bank of America Corporation fosters an inclusive environment where all employees can thrive. Through diversity training and a commitment to equal opportunities, we cultivate leadership and innovation that reflect the wide-ranging communities we serve. Join Our Team Are you ready to advance your career at a company that’s at the forefront of the financial industry? Explore the positions available at Bank of America Corporation and find where your skills and interests align with our needs. We are continuously hiring and looking for individuals who are curious, creative, and eager to drive change. Stay Connected Keep up to date with the latest from Bank of America Corporation Careers by subscribing to our job alert emails. Tailor your subscription to receive updates that match your career interests and get insider tips that can help you during your application and interview process. Bank of America Corporation is not just a company—it’s a place where you can shape your future and the future of finance. Join us and be part of a team that’s redefining what a bank can be.
Learn more about Bank of America Corporation
Size
208,000 employees
Market Cap
$260.3 billion
Industry
Net Income
$17.8 billion
Founded
1998
5 Year Trend
-1.4%
NASDAQ

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