Credit Officer II – Dealer Financial Services

Bank of America

. Manage, monitor, and document credit risk for a portfolio of clients .

Posted 10/1/2026full-timeUnited StatesSeniorLead💰 $119,000 - $200,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive experience in commercial credit underwriting and analysis, with a strong ability to assess borrower creditworthiness and structure complex credit transactions. Proven skills in relationship management, risk analysis, and mentoring within a collaborative team environment.

Highest-signal resume keywords

Commercial Credit UnderwritingRisk AnalysisLoan DocumentationRelationship ManagementCoaching and Mentoring

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk ManagementFinancial Statement AnalysisDue DiligenceCreditworthiness AssessmentCredit StructuringPortfolio MonitoringNegotiationInternal Risk RatingsCredit ApprovalsTransaction Closing

Soft Skills

Team CollaborationInfluencing SkillsIndependent Viewpoint DevelopmentConsensus BuildingCoaching Skills

Tools & Technologies

Microsoft Office

Industry Keywords

Global BankingDebt Capital SolutionsCommercial BankOEM Captive FinanceCredit Lifecycle

About the role

Key responsibilities & impact

Manage, monitor, and document credit risk for a portfolio of clients
Monitor changes in credit profiles and compliance with credit agreements
Structure and underwrite new financing solutions across Global Banking and Markets products
Assess risk solutions aligned with the bank’s risk appetite and strategies
Serve as a market- or industry-level resource providing expert advisory guidance on complex debt capital solutions
Serve as Line/Credit approver with Risk Management and drive internal credit approvals, loan documentation, and closing
Monitor portfolio activities and approvals
Collaborate with Relationship Managers, Treasury Solutions Officers, Risk, Syndications, Treasury, and product partners
Assess client needs and design integrated credit solutions
Assess borrower creditworthiness through due diligence, financial statement analysis, forecasting, company and industry risk analysis, terms and conditions, and relationship profitability
Exercise delegated approval authority for lending limits, deal terms, creditworthiness, annual reviews, renewals, risk ratings, and breach actions
Lead new credit originations with coverage teams and product partners
Negotiate and structure legal documentation for loans and derivatives
Establish and adjust internal risk ratings throughout the credit lifecycle
Train, coach, and mentor Credit Analysts and Associates
Interact with clients and prospects to understand financial goals, performance, and banking needs
Underwrite and structure complex credit transactions with minimal oversight
Travel occasionally for face-to-face interaction with dealer clients
Participate in transaction negotiation and closing
Oversee assigned portfolio monitoring, credit quality, compliance, exceptions, and past-due reports

Requirements

What you’ll need

7+ years commercial credit underwriting and analysis with a commercial bank or OEM captive finance organization
Strong knowledge and comprehension of loan and collateral documentation
Ability to accurately analyze a borrower’s financial picture and deliver comprehensive risk analysis to managers and risk officers
Ability to develop an independent viewpoint and present a business case supporting conclusions
Excellent relationship management skills and experience working in a team environment
Ability to influence constituencies with diverse views toward consensus
Coaching and mentoring skills
Strong Microsoft Office skills
1st shift availability
40 hours per week

Benefits

Comp & perks

Inclusive workplace culture
Opportunities to learn, grow, and build a career
Support for physical, emotional, and financial wellness
Affordable, competitive, and flexible benefits
Paid time off
Resources and support to make an impact
Annual discretionary incentive plan eligibility