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Credit Officer II – Asset Based Finance
Bank of America. Manage a portfolio of asset-based structured loans in the general industries space .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in managing asset-based structured loans, including credit analysis, transaction structuring, and client relationship management. Proficient in overseeing financial performance, negotiating credit terms, and handling complex client interactions.
Highest-signal resume keywords
Asset-Based LendingCredit AnalysisTransaction StructuringFinancial Performance MonitoringBankruptcy and Restructuring Experience
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Financial AnalysisLoan ModificationsCredit SolutionsProposal DraftingLegal Documentation Review
Soft Skills
Client Relationship ManagementNegotiationTeam Leadership
Certifications & Qualifications
Formal Credit Training
Industry Keywords
Commercial BankingPrivate CreditCollateral AnalysisDistressed CreditsTurnaround Credits
About the role
Key responsibilities & impact- Manage a portfolio of asset-based structured loans in the general industries space
- Identify credit solutions and opportunities to grow funded loans and spreads
- Monitor financial and collateral trends and recommend appropriate action
- Review requests for loan modifications
- Analyze financial performance, negotiate credit terms, draft proposals, review and negotiate loan documents, and oversee preparation of approval recommendations
- Build client relationships
- Handle performing and distressed/turnaround credits, including restructurings and bankruptcy processes
- Analyze client trends to identify opportunities and manage risk
- Pitch credit opportunities and manage higher-attention credits
- Oversee junior associates, including analysis of financial performance and preparation of approval documents
- Manage complex client relationships, bank groups, legal counsel, financial advisors, and financial sponsors
- Deliver credit solutions and manage risk for asset-based lending clients
Requirements
What you’ll need- 5+ years’ experience in asset based lending, commercial banking, or private credit
- Sound understanding of credit, transaction structuring, and financial and collateral analysis
- Detailed understanding of legal documentation
- Some travel required to meet with clients
- Bachelor's or Master’s degree (desired)
- Formal Credit Training (desired)
- Experience with bankruptcy and restructuring matters (desired)
- 40 hours per week
- 1st shift (United States of America)
Benefits
Comp & perks- Affordable, competitive and flexible benefits
- Support for physical, emotional, and financial wellness
- Opportunities to learn, grow, and build a career
- Paid time off
- Resources and support to make an impact
- Eligibility for annual discretionary incentive award based on individual, line of business/group, and company performance