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Senior Credit Relationship Manager

2 months ago

Charlotte, North Carolina, United States Bank of America Full time

Job Overview:


At Bank of America, our mission is to enhance financial well-being through meaningful connections.

We prioritize Responsible Growth, ensuring we meet the needs of our clients, colleagues, communities, and shareholders consistently.

Creating a supportive work environment is essential to our success, and we are committed to fostering diversity and inclusion across our workforce.

We seek individuals with varied backgrounds and experiences, investing significantly in our employees and their families by providing competitive benefits that support their overall well-being.
Bank of America values collaboration while also offering flexibility tailored to the diverse roles within our organization.

Joining our team means embarking on a fulfilling career with opportunities for growth, learning, and making a positive impact.



Position Summary:


This role entails overseeing a portfolio of middle market and business banking clients, directly engaging with them to deliver tailored credit solutions.

Key duties encompass negotiating terms within credit agreements, spearheading the credit and risk approval processes, and cultivating relationships with both current and potential clients.


The Middle Market Financial Sponsors Group (MMFSG) is on the lookout for a Credit Officer to originate and structure transactions for sponsor clients.

This team is dedicated to financing Middle Market companies backed by private equity firms, typically offering Term Loan A solutions. Our sponsor clients range from Middle Market to Large Cap firms, and our transactions involve LBOs, Recaps, and Acquisition Financings across various sectors, primarily focusing on syndicated transactions.


The Commercial Credit Officer (CO) serves as a vital resource, providing expert advisory services and integrated debt capital solutions for Business Banking and Middle Market clients associated with private equity firms.

Our offerings include lines of credit, term loans, and syndicated loans, along with guidance on complex capital structures and other debt capital market solutions.

The CO is responsible for managing all related credit exposure to clients while maintaining awareness of other Bank of America products, including Investment Banking and Treasury Management, that involve credit exposure.

Utilizing product expertise, the CO delivers optimal and strategically integrated solutions for clients or prospects.

MMFSG operates in a dynamic environment characterized by a high volume of transactions and strong deal flow from large cap and middle market private equity clients.

The portfolio primarily consists of Leveraged Transactions, and familiarity with sponsor finance is advantageous.

Key Responsibilities:

  • Oversee the credit process for a designated client portfolio
  • Negotiate credit agreements
  • Direct the credit and risk approval processes
  • Foster relationships with existing and prospective clients
  • Mentor and guide junior associates
  • Provide solutions for capital structures
Required

Qualifications:

  • 10+ years of experience in Commercial Credit Underwriting within Middle Market Banking and/or Leveraged Transactions, coupled with strong presentation capabilities.

Deal Evaluation:
Conduct assessments of clients and prospects along with their respective industries and sectors - make informed go/no-go recommendations,

  • Design and implement credit solutions while actively managing asset quality - Oversee the credit process from origination through to approval and booking
  • Collaborate with the sponsor coverage team and other product partners as necessary to evaluate client needs, develop integrated solutions, and deliver comprehensive banking services to clients and prospects
  • Act as Line/Credit approver in conjunction with Risk management based on the credit approval framework, driving the internal credit approval process, loan documentation, and closing
  • Must possess a strong understanding of acquisition finance and relevant documentation
  • Independently negotiate credit agreements with sophisticated client bases
  • Clearly articulate deal risks and merits for credit decision-making
  • Train and mentor junior associates

Essential Skills:

  • Risk Management
  • Client Solutions Advisory
  • Financial Analysis
  • Loan Structuring
  • Underwriting
  • Credit and Risk Assessment
  • Issue Management
  • Account Management
  • Credit Documentation Requirements
  • Decision Making
  • Analytical Thinking
  • Coaching
  • Collaboration
  • Critical Thinking
  • Customer and Client Focus
Bachelor's Degree Preferred

Shift:

1st shift (United States of America)

Hours Per Week:

40