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About the Role
This role is responsible for managing clients and their related credit products, partnering closely with various internal teams to support client relationships. Key responsibilities include underwriting, monitoring, and managing client requests. The role requires strong credit-focused client management, independent thought leadership, and the ability to mentor teammates, with potential for team management.
Responsibilities
- Partners with relationship management and product partners to assess clients’ credit needs and create solutions.
- Leads loan structure conversations and negotiates loan documentation with clients and internal/external legal partners.
- Drives credit and risk approval processes for new credit originations, renewals, increases, and modifications.
- Leads ongoing monitoring efforts for a portfolio of clients in compliance with regulations, policy and procedure.
- Drives the growth of funded loans and revenue while mitigating risks, maintaining asset quality and adhering to regulatory requirements.
- Serves as an escalation point for complex credit transactions.
- Mentors and supports associates.
- Oversees and assesses the credit worthiness of borrowers based on due diligence findings, financial statement analysis, forecasting, analysis of company and industry risks, terms and conditions, and relationship profitability to provide high quality credit approval to Corporate Banking, Investment Banking, Global Markets, and Treasury.
- Exercises Delegated Approval Authority using sound judgment and expertise to make approval decisions for the business including new lending limits, structuring and negotiating deal terms, credit worthiness, annual reviews and renewals, risk ratings, and breach actions.
- Leads new credit originations in coordination and collaboration with the coverage teams including Relationship Managers, Risk, Syndications, Treasury, and all other product partners.
Requirements
- 5+ years Corporate/Commercial credit experience
- Strong understanding of accounting and corporate finance
- Strong understanding of legal credit agreements
- Strong knowledge of ancillary bank products (treasury, cash management, derivatives)
- Strong business writing skills
- Ability to coach junior teammates
Skills
- Analytical Thinking
- Credit and Risk Assessment
- Financial Analysis
- Loan Structuring
- Underwriting
- Attention to Detail
- Business Acumen
- Financial Forecasting and Modeling
- Research Analysis
- Written Communications
- Business Development
- Collaboration
- Critical Thinking
- Portfolio Analysis
- Stakeholder Management
Location
- San Francisco, CA
- New York, NY
Work Type
- Onsite
- Full-time
Education Level
- Bachelor’s Degree in Finance or related
Salary/Compensations
- $102,000.00 - $200,000.00
Benefits
- Industry-leading benefits
- Access to paid time off
- Resources and support
- Discretionary incentive eligible
About the Company
- At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection.
- We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
- Being a Great Place to Work is core to how we drive Responsible Growth.
- This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates’ physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.
- Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.
- At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!