Commercial Credit Officer II- Healthcare, Education, and Not for Profit

Bank of America • Richmond, NY

9h • Onsite

About The Position

At Bank of America, the Commercial Credit Officer II (CO II) is responsible for managing clients and related credit products, partnering closely with relationship management, sales/trading, treasury management, operations, and risk teams to support client relationships. Key responsibilities include underwriting, monitoring, managing operational needs, and client requests. This role involves credit-focused client management, independent thought leadership, strong leadership skills, and the ability to provide feedback to less experienced teammates, potentially managing a team. The CO II is part of Bank of America's Healthcare Education and Not For Profit (HENFP) banking group, which supports 501c3 not-for-profit clients across healthcare, private universities, colleges, K-12 schools, cultural, professional, and social service organizations. The CO II is a highly skilled resource, offering expert-level advisory guidance for complex, integrated debt capital solutions, including lines of credit, term loans, real estate loans, and syndicated loans. This role manages all ancillary credit exposure to clients, maintains knowledge of other BofA products with credit exposure (like Investment Banking and Treasury Management), and leverages product expertise to deliver optimal strategic solutions. Bank of America is committed to an in-office culture with specific attendance requirements, balanced with appropriate flexibility.

Requirements

• Client Solutions Advisory
• Customer and Client Focus
• Capital Structure Consultant
• Account Management
• Financial Analysis
• Loan Structuring
• Risk Management
• Underwriting
• Credit Documentation
• Credit and Risk Assessment
• Decision Making
• Issue Management
• Analytical Thinking
• Coaching
• Collaboration
• Critical Thinking
• 10+ years of solid Commercial Banking Experience
• Experience in financial analysis, structuring, underwriting and portfolio management
• Analytical/technical skills, including financial accounting, modeling and loan structuring
• Strong communication skills; ability to communicate vertically, horizontally, and externally
• Industry knowledge across multiple sectors

Responsibilities

• Provides capital structure solutions
• Builds relationships with existing and prospective clients
• Manages the credit process for a portfolio of clients
• Negotiates credit documentation
• Leads the credit and risk approval processes
• Mentors and supports associates

Benefits

• industry-leading benefits
• access to paid time off
• resources and support to our employees
• discretionary incentive eligible
• 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

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Number of Employees: 5,001-10,000 employees