Leasing Credit Officer II

2 days ago

Charlotte, North Carolina, United States Bank of America Full time
Job Title: Leasing Credit Officer II

At Bank of America, we are committed to helping our clients achieve their financial goals through responsible growth. As a Leasing Credit Officer II, you will play a critical role in determining the creditworthiness of our clients and ensuring the integrity of our leasing portfolio.

Key Responsibilities:
  • Determine appropriate obligor and facility risk ratings through ongoing review of client financial statements, covenant compliance, and monitoring of news articles and other early warning alerts.
  • Interact effectively with Bank partners, including Risk Management Officers, Marketing Officers, SAG Officers, Legal, Equipment Management Officers, and Credit Underwriting Officers.
  • Prepare quarterly SER reports and other periodic credit reviews, and handle ad-hoc credit-related requests for clients, including negotiating and approval of waivers and amendments to existing leases or loans.
  • Manage multiple demands and priorities while maintaining organization, adherence to deadlines, and compliance with policy.
  • Identify, anticipate, and proactively address potential credit problems early in the process.
Requirements:
  • 5+ years' experience in the commercial banking, leasing, or finance industry.
  • Proficient commercial credit or leasing underwriting or portfolio management experience.
  • Proficient credit and secured equipment finance knowledge.
  • Experience reviewing and negotiating legal documents.
Preferred Qualifications:
  • Undergraduate degree in finance or accounting.
  • Prior experience in high-risk Criticized/Classified Exposures.
  • Prior Lease Finance Experience and High Net Worth Underwriting.
  • Prior experience in Corporate Aircraft Finance.
  • Proficient in Moody's CreditLens - Financial Statement Spreading.
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.
Work Environment:

This role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company.

This role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources, and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.

Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law.

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