Commercial Credit Officer

2 weeks ago

Minneapolis, Minnesota, United States Bank of America Full time
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Commercial Credit Officer

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locations

Minneapolis

time type

Full time

posted on

Posted 4 Days Ago

job requisition id

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.

Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day.

One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world.

We're devoted to being a diverse and inclusive workplace for everyone.

We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being.

Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization.

Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference.

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 Bank of American 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
About Us


Bank of America is committed to help employees through the transition period when they're displaced as a result of a workforce reduction, realignment or similar measure.

Please review the resume writing and interviewing tips provided below to help prepare you for your next career opportunity.
Regardless of the position you are interested in, the starting points to building your resume are the same:

  • Determine the job or types of jobs you want to do and research their responsibilities and qualifications.
  • Think about why you can do the job and make a list of your skills that are relative to the job.
  • Identify experiences or accomplishments that show your proficiency in the skills required for the job.
  • Summarize your abilities, accomplishments and skills into a brief, concise document.
Considerations when writing a resume

  • Do be brief. Resumes should be 1-2 pages in length.
  • Do be upbeat and active in your wording.
  • Do emphasize what you have done clearly and concretely.
  • Do be neat and well organized.
  • Do have others proofread and critique your resume. Spell check. Make it error free.
  • Do use high quality, white or light colored 81⁄2 x 11 paper. Use a laser printer if possible.
  • Don't be dishonest, always tell the truth about yourself in the most flattering light.
  • Don't include salary history or requirements.
  • Don't include references.
  • Don't include accomplishments that do not support your professional goals.
Don't include anything that isn't relevant. (For example, don't mention your fondness for swimming unless you want to work on the water.)

Don't use italics, underlining, shadows or other fancy treatments.
Seven steps to a successful interview

  • Anticipate –Put yourself in the interviewer's position. What do you believe the interviewer is most interested in? Why do you think you have been invited to interview?
  • Research –What are the primary functions of the line of business? What are the success factors for the job? Is there a job description available?
  • Assess –Think about your skills, abilities, knowledge, interests, traits, values and accomplishments. Match them to what you know about the job. Consider which ones you should highlight.
  • Prepare Answers –Think about what the interviewer may ask, determine what the best answer is and write it down.
  • Prepare Questions – Interviewing is a two-way street. By asking thoughtful questions, you communicate your interest and learn a lot about the job. Choose two or three questions to ask your interviewer. Avoid asking a lot of questions about vacation time or breaks.
  • Practice – It may seem awkward, but it is the best way to come across well in an interview. Practice your own "great responses" with others or in front of a mirror until you appear relaxed and at ease.
  • Follow-up – Send a brief follow-up letter to the interviewer. Keep in mind that the many job searchers will not send a follow-up letter. Sending one can become a competitive advantage.
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