Business Banking Credit Portfolio Officer II ​/ III

Business Banking Credit Portfolio Officer

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 and providing a culture of caring is core to how we drive Responsible Growth.

We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career, and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates' physical, emotional, and financial wellness through affordable, competitive, and flexible benefits. We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences.

These journeys foster resilience, leadership, and innovation, strengthening our workforce and positively impacting the communities we serve. Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact.

Join us!

The Business Banking Credit Portfolio Officer role is responsible for supporting credit underwriting and monitoring for new and existing clients. Key responsibilities include completing credit analysis, evaluating risks, and writing financial analysis using various tools and systems. Job expectations include analyzing financials, projections, industry data, covenant compliance, collateral, and policy requirements to ensure alignment with the bank's risk appetite. This role reports to the Commercial Credit Manager that supports the market.

• Analysis of client financial information, identification/mitigation of potential risks, compliance with regulatory requirements and evaluation of collateral in determination of credit worthiness
• Complete monitoring activities via analysis of clients' financial performance and collateral evaluation to ensure appropriate requirements are met
• Listen in to client meetings to develop a deeper understanding of the client's business, management team, and past and future performance
• Review completed client requests to ensure compliance with policy and procedures
• Understand how credit data is used internally and provided to regulatory partners
• Assist with periodic portfolio reviews
• Supports the credit monitoring process for existing clients.
• Prepares credit analysis to facilitate the decisioning of a client's credit worthiness.

• Relationship Building
• Financial Analysis
• Credit Documentation
• Underwriting
• Analytical Thinking
• Loan Structuring
• Active Listening
• Attention to Detail
• Collaboration
• Written Communication
• Issue Management
• Organization
• Data and Trend Analysis
• Research

• 2+ 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:
High School Diploma / GED / Secondary School or equivalent

Shift: 1st shift (United States of America)

Hours Per Week: 40

Pay Transparency details

Pay range $70,000.00 - $95,800.00 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. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company.

Benefits 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.