Senior Credit Analyst

2 weeks ago


Scottsdale, Arizona, United States Bank of America Full time

Position Overview:

The role of the Credit Solutions Officer II within Global Vendor Finance is pivotal in delivering comprehensive credit solutions tailored to client needs. This position emphasizes ongoing portfolio management and the integration of innovative financing strategies.

Key Responsibilities:

  • Assess and evaluate new credit opportunities, identifying potential risks and mitigation strategies.
  • Collaborate with client-facing teams to provide expert consultation on sales opportunities, ensuring optimal solutions for clients.
  • Underwrite new transactions, conduct thorough credit risk analyses, and negotiate terms while adhering to internal policies and regulatory standards.
  • Structure lease and loan agreements, considering various components such as pricing, rates, payment terms, and collateral.
  • Manage the credit process for a diverse portfolio, reviewing financial statements, monitoring compliance with financial covenants, and recommending necessary adjustments.

Qualifications:

Required:

  • A minimum of 5 years of experience in the commercial banking or finance sector, with a strong focus on commercial credit.

Preferred:

  • Undergraduate degree in finance or accounting; MBA is advantageous.
  • Experience in analyzing and structuring complex financial transactions.
  • Exceptional skills in credit and risk analysis, financial statement evaluation, and negotiation.
  • Proficient in identifying trends and emerging risks in underwriting and client selection.
  • Strong computer proficiency.

Skills:

  • Financial Analysis
  • Loan Structuring
  • Risk Management
  • Underwriting
  • Analytical Thinking
  • Collaboration and Coaching
  • Customer Focus

Work Schedule:

This position operates on a standard first shift schedule, ensuring a balanced work-life dynamic.

Bank of America is committed to fostering a diverse and inclusive workplace, providing equal employment opportunities to all qualified candidates without regard to race, gender, age, or any other protected status.


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