Bank of America Corporation

Credit Officer II - Energy

Bank of America Corporation$110K — $130K *
Energy & Utilities
8 - 10 years of experience
Job Overview by Ladders

Qualifications

  • 10+ years of relevant experience in credit management or a related finance role
  • Strong preference for candidates with Energy industry experience
  • Proficient in evaluating large credit exposures across multiple energy sectors
  • Experience in managing criticized assets with formal credit recommendations
  • Demonstrated ability to partner effectively with Relationship Managers and Risk partners
  • Strong knowledge of credit procedures, regulatory compliance, and lending policies
  • Excellent analytical skills for financial statement and cash flow analysis

Responsibilities

  • Collaborate with relationship management and product teams to assess client credit needs
  • Lead negotiations for loan structuring and documentation with clients and legal teams
  • Oversee credit and risk approval processes for credit originations and modifications
  • Monitor client portfolios in alignment with compliance standards and internal policies
  • Drive growth in funded loans while managing risks and ensuring asset quality
  • Act as a point of escalation for complex credit transactions
  • Mentor and support junior associates for professional development

Benefits

  • Mentorship program for professional growth
  • Opportunities to work closely with leading energy clients
  • Involvement in strategic and high-level financial decision-making
  • Collaborative work environment with various business partners
  • Access to advanced tools and technologies for financial analysis
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 will also include supporting commercial and large corporate client relationships within the Energy industry.

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
  • Negotiates credit and trading documentation, including loan credit agreements and amendments, ISDAs, and CSAs
  • Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the client's credit lifecycle.
  • Develop, maintain, and manage internal relationships with various business partners, including those in Corporate and Investment Banking, Sales & Trading, Risk Management, Syndications, and Legal

Required Qualifications:

  • 10+ years of progressively responsible experience in the job offered, or a related Finance occupation
  • Strong preference for individuals with relevant experience within the Energy industry
  • Credit Officer evaluates large and sophisticated credit exposures across oil & gas, midstream, refining and marketing, oilfield services, and power & utilities sectors
  • Assist in the management of criticized and classified assets by providing analysis and formal credit recommendations.
  • Partners with Relationship Managers, and Risk partners to facilitate timely credit decisions
  • Ensure compliance with lending policies, credit procedures, and regulatory expectations
  • Strong understanding of energy market dynamics and Energy industry-specific risk factors, financial statement analysis, cash flow analysis, and commercial credit, credit structures,  cash management and traded products
  • Excellent analytical, decision-making, and problem-solving skills.
  • Strong written, verbal, and presentation skills.
  • Proficiency in Microsoft Office applications, particularly Word, Excel and PowerPoint.

Desired Qualifications:

  • Bachelor's degree or equivalent in Business Administration, Finance, Economics, Accounting, or related experience
  • Strong ability to assess credit risk, evaluate complex lending structures, and recommend appropriate terms, covenants, and collateral requirements.
  • Expertise in analyzing financial statements, cash flow projections, leverage, liquidity, repayment capacity, and overall borrower creditworthiness.
  • Knowledge of energy transition trends , and evolving regulatory requirements.

Skills:

  • Business Acumen
  • Coaching
  • Decision Making
  • Hiring and Onboarding
  • Loan Structuring
  • Collaboration
  • Credit Documentation Requirements
  • Oral Communications
  • Risk Management
  • Written Communications
  • Change Management
  • Client Solutions Advisory
  • Executive Presence
  • Organizational Effectiveness
  • Underwriting

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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