Commercial Credit Officer

Commercial Credit Officer

Birmingham, Alabama

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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 is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.

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.

At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!

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* Job Description:

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* The Commercial Credit Officer (CCO) 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, real estate loans, and syndicated loans. The CO manages all of the ancillary credit exposure to clients. The CO 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 or Executive and will be aligned to an Underwriting Team that supports the market.

** Responsibilities:*
* + Manages the credit process for a portfolio of clients

+ Negotiates credit documentation

+ Leads the credit and risk approval processes

+ Builds relationships with existing and prospective clients

+ Mentors and supports associates

+ Provides capital structure solutions

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* Skills:

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* + Client Solutions Advisory

+ Financial Analysis

+ Loan Structuring

+ Risk Management

+ Underwriting

+ Account Management

+ Credit Documentation Requirements

+ Credit and Risk Assessment

+ Decision Making

+ Issue Management

+ Analytical Thinking

+ Coaching

+ Collaboration

+ Critical Thinking

+ Customer and Client Focus

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* Required Qualifications:

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* + 10+ years of solid Commercial Banking experience

+ Experience in financial analysis, structuring, underwriting and portfolio management

+ Analytical/technical skills, including financial accounting, modeling and loan structuring

+ Strong communication skills; ability to communicate vertically, horizontally, and externally

+ Industry knowledge across multiple sectors     

** Minimum Education Requirement:
** BA/BS Degree Desired

** 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.

View your  **"Know your Rights (https://(Use the "Apply for this Job" box below). EEOC Know Your Rights
6.12.pdf) "
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** View the LA County Fair Chance Ordinance () .*
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