Commercial Credit Officer - FinTech

Job Description

This role is responsible for managing a national portfolio of Global Commercial Banking (GCB) Fin Tech relationships, working directly with clients and prospects to provide financing solutions for multinational Fin Tech companies in the payments and financial software verticals. Key responsibilities include originating and structuring loans, negotiating terms and conditions, leading the credit process from pitch through underwriting, approval, booking and closing, with a focus on growing loans and credit revenue and managing asset quality.

The Commercial Credit Officer (CO) is a highly skilled resource, providing expert-level advisory guidance in complex, integrated debt capital solutions for commercial banking clients, whether publicly traded or privately held. Products include lines of credit, term loans, and syndicated loans. The CO manages all ancillary credit exposure to clients and maintains knowledge of other Bank of America products including investment banking, treasury management, and hedging solutions that have credit exposure, and leverages product and industry 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 business.

• Manages the credit process for a portfolio of clients
• Negotiates credit documentation and manages the legal documentation process
• Leads the credit and risk approval processes
• Builds relationships with existing and prospective clients
• Mentors and supports associates
• Provides capital structure solutions

• 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
• Strong Fin Tech industry knowledge

• 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

BA/BS Degree Desired

1st shift (United States of America)

40

$ - $ annualized salary, offers to be determined based on experience, education and skill set. Discretionary incentive eligible. This role is eligible to participate in the annual discretionary plan.

This role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.