Commercial Credit Officer

Newport Beach, California;San Diego, California

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 a diverse and 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.

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

Job Description:

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

Skills:

• 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

Required Qualifications:

• 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

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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. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank’s required accommodation request process before your first day of work.

This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.