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Leasing Credit Officer

2 months ago


San Francisco, California, United States Bank of America Full time
Job Title: Leasing Credit Sr Officer/Leasing Credit Officer II

At Bank of America, we are committed to helping our clients achieve their financial goals through innovative solutions and expert knowledge. As a Leasing Credit Sr Officer/Leasing Credit Officer II, you will play a critical role in assessing credit risk and providing optimal financing alternatives to our clients.

Key Responsibilities:
  • Evaluate new credit opportunities, identifying and assessing risks, and proposing mitigating factors.
  • Partner with client-facing teammates to consult on sales opportunities and provide product expertise and consultation.
  • Underwrite new transactions, analyze credit risk, negotiate and close deals, adhering to internal policy, procedures, and regulatory requirements.
  • Structure lease/loan terms, considering pricing, rates, payment, term, and collateral.
  • Manage the credit process for a portfolio of clients, reviewing financial statements, assessing compliance with financial covenants, confirming risk ratings, and recommending changes as warranted.
Requirements:
  • 7+ years of experience in commercial banking for Leasing Credit Sr Officer, 5+ years for Leasing Credit Officer II.
  • Proficient credit and risk analysis skills.
  • Strong presentation, structuring, and financial statement analysis skills for complex transactions.
  • Proficient Microsoft Office skills.
Preferred Qualifications:
  • Undergraduate degree in finance or accounting; MBA preferred.
  • Proven ability to analyze, interpret, and negotiate third-party documentation.
  • Proven ability to identify trends and emerging risks in underwriting and client selection.
Skills:
  • Financial Analysis
  • Loan Structuring
  • Research Analysis
  • 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
  • Problem Solving
  • Organized, Multi-task
  • Teamwork
Work Environment:

This role is based in the United States and requires a 1st shift schedule with 40 hours per week.

Pay and Benefits:

This role is eligible for an annual discretionary plan and offers a competitive salary range of $81,200,000.00, based on experience, education, and skill set. Benefits include industry-leading benefits, access to paid time off, and resources to support employee well-being.