Commercial Credit Officer

4 weeks ago


Miami, Florida, United States Bank of America Full time

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:
This job is responsible for managing a portfolio of middle market and business banking clients and working directly with clients to provide credit solutions. Key responsibilities include negotiating terms and conditions within credit documentation, leading the credit and risk approval processes, and building relationships with existing and prospective clients.

Responsibilities:Manages the credit process for a portfolio of clientsNegotiates credit documentationLeads the credit and risk approval processesBuilds relationships with existing and prospective clientsMentors and supports associatesProvides capital structure solutionsRequired Experience and Abilities: BS/BA degree desired and 10+ years of solid commercial banking experience Experience in financial analysis, structuring, underwriting and portfolio management specifically in Business Banking

Analytical/technical skills, including financial accounting, modeling and loan structuring

Strong communication skills; ability to communicate vertically, horizontally, and externally

Negotiation and Critical Thinking skills

Skills:Client Solutions AdvisoryFinancial AnalysisLoan StructuringRisk ManagementUnderwritingAccount ManagementCredit Documentation RequirementsCredit and Risk AssessmentDecision MakingIssue ManagementAnalytical ThinkingCoachingCollaborationCritical ThinkingCustomer and Client FocusMinimum Education Requirement: Bachelors degree preferredShift:1st shift (United States of America)Hours Per Week: 40


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