Credit Officer II

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 – we are committed to an inclusive workplace, attracting and developing exceptional talent, supporting wellbeing, recognizing and rewarding performance, and making an impact in the communities we serve.

Bank of America requires an in‑office culture with specific office‑based attendance requirements, allowing flexibility based on role‑specific considerations.

Join us to build a successful career with opportunities to learn, grow, and make an impact.

The Credit Officer II is a highly skilled resource, providing expert advisory guidance in the most complex, integrated debt capital solutions for commercial banking clients. The role covers lines of credit, term loans, real‑estate loans, and syndicated loans, managing ancillary credit exposure and leveraging knowledge of BofA products such as Investment Banking and Treasury Management to deliver the best integrated strategic solutions.

• Collaborate with Client Management teams to analyze credit opportunities and prospects.
• Manage client and prospect originations, including initial credit structuring, underwriting, legal documentation review, and deal closing.
• Deliver on data accuracy and quality of underwriting metrics in compliance with internal policies and procedures.
• Monitor assigned portfolios of client loan maturities and collaborate with Analysts to recognize and address risks in a timely manner.
• Escalate and debate deteriorating assets in partnership with the Special Assets Group and Risk as appropriate.
• Participate in Regional and Market meetings to communicate credit delivery best practices and results.

• Collaboration
• Decision Making
• Loan Structuring
• Underwriting
• Written Communications
• Analytical Thinking
• Attention to Detail
• Credit Documentation Requirements
• Interpret Relevant Laws, Rules, and Regulations
• Mentoring
• Issue Management
• Negotiation
• Oral Communications
• Prioritization
• Risk Management

• 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.

BA/BS Degree desired.

1st shift (United States of America) – 40 hours per week.