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

Bank of America • Washington, DC

22h • Onsite

About The Position

At Bank of America, the common purpose is to help make financial lives better through responsible growth and by delivering for clients, teammates, communities, and shareholders. The company is committed to being an inclusive workplace, attracting and developing talent, supporting wellness, recognizing performance, and making an impact in communities. Bank of America maintains an in-office culture with specific attendance requirements, allowing for appropriate flexibility based on role-specific considerations. This job is responsible for managing clients and related credit products, collaborating with relationship management, sales/trading, treasury management, operations, and risk teams to support client relationships. Key responsibilities include underwriting, monitoring, managing operational needs, and/or client requests. The role involves credit-focused client management, independent thought leadership, strong leadership skills, and the ability to provide feedback to less experienced teammates, potentially including team management. The Healthcare Education and Not For Profit (HENFP) banking group, part of the Commercial Bank, is seeking a Credit Officer II. HENFP supports the financial needs of various 501c3 not-for-profit clients, including healthcare, private universities, colleges, K-12 schools, cultural, professional, and social service organizations. The Credit Officer II (CO II) is a highly skilled resource offering expert-level advisory guidance for complex, integrated debt capital solutions for commercial banking clients. Products include lines of credit, term loans, real estate loans, and syndicated loans. The CO II manages all ancillary credit exposure to clients, maintains knowledge of other Bank of America products with credit exposure (like Investment Banking and Treasury Management), and leverages product expertise to deliver optimal strategic solutions. This role reports to the Commercial Credit Manager or Executive and is aligned with an Underwriting Team supporting the market.

Requirements

• 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
• 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

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 so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve
• 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