Credit Officer II

Bank of America

. Provide expert advisory guidance on complex, integrated debt capital solutions for commercial banking clients .

Posted 9/22/2026full-timeUnited StatesSeniorLead💰 $137,500 - $175,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates extensive expertise in Commercial Banking Underwriting, including financial analysis, credit structuring, and portfolio management. Proven ability to evaluate creditworthiness and provide strategic recommendations while ensuring adherence to policies and procedures.

Highest-signal resume keywords

Commercial Banking Underwriting ExperienceFinancial AnalysisCredit StructuringPortfolio ManagementStrong Communication Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial AccountingFinancial ModelingLoan StructuringCredit Facility AnalysisCreditworthiness EvaluationUnderwriting MetricsRisk AssessmentLoan Documentation ReviewDeal ClosingPortfolio Performance Monitoring

Soft Skills

Analytical SkillsCollaborationProblem-Solving

Industry Keywords

Debt Capital SolutionsInvestment BankingTreasury ManagementClient ManagementSpecial Assets GroupRisk ManagementCredit Delivery Best Practices

About the role

Key responsibilities & impact

Provide expert advisory guidance on complex, integrated debt capital solutions for commercial banking clients
Manage ancillary credit exposure to clients
Maintain knowledge of Investment Banking and Treasury Management products with credit exposure
Structure, negotiate, document, and analyze credit facilities
Independently assess historic and projected borrower financial information
Evaluate adherence to policy and procedure
Provide loan structure analysis and recommendations
Monitor portfolio performance
Evaluate creditworthiness and make credit facility recommendations
Collaborate with Client Management teams on credit opportunities and prospects
Manage client and prospect originations, including credit structuring, underwriting, legal documentation review, and deal closing
Ensure accuracy and quality of underwriting metrics
Monitor client operating performance and financial condition, identifying issues and opportunities
Monitor loan maturities and collaborate with Analysts to address risks
Escalate and debate deteriorating assets with the Special Assets Group and Risk
Participate in Regional and Market meetings to communicate credit delivery best practices and results
Report to the Commercial Credit Executive supporting the market

Requirements

What you’ll need

10+ years of solid Commercial Banking Underwriting 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
BA/BS Degree desired
Ability to work 1st shift in the United States of America
40 hours per week

Benefits

Comp & perks

Annual discretionary incentive plan eligibility
Benefits eligibility
Paid time off
Resources and support for employees’ physical, emotional, and financial wellness
Flexible benefits
Opportunities to learn, grow, and build a career