Job Description:
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities, and shareholders every day.
One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We’re devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being.
Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization.
Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us!
Job Responsibilities:
- Evaluates new end-user credit opportunities including identification and assessment of risks and identifies mitigating factors.
- Partners with client-facing teammates to consult on sales opportunities and provide the product expertise and consultation necessary to deliver the best possible solution to the client.
- Underwrites new transactions, analyzes credit risk, negotiates and closes deals, while adhering to internal policy, procedures, and regulatory requirements.
- Structures the terms of a lease/loan with respect to the various aspects that make up a lease/loan (e.g., pricing, rates, payment, term, collateral).
- Manages the credit process for a portfolio of clients including reviewing financial statements, assessing the client's compliance with financial covenants, confirming the accuracy of risk ratings, and recommending changes as warranted.
Required Qualifications:
- 7+ years experience in commercial banking related role for Leasing Credit Sr Officer, 5+ years experience in commercial banking related role for Leasing Credit Officer II.
- Must have proficient credit and risk analysis skills.
- Must have proficient presentation, structuring, and financial statement analysis skills.
- Proficient Microsoft Office skills.
Desired Qualifications:
- Experience in the analysis and structuring of complex transactions, proven ability to analyze, interpret and negotiate third-party documentation, proven ability to identify trends and emerging risks in underwriting and client selection.
- Undergraduate degree in Finance or Accounting.
Skills:
- Financial Analysis
- Loan Structuring
- Research Analysis
- Risk Management
- Underwriting
- Account Management
- Credit Documentation Requirements
- Credit and Risk Assessment
- Decision Making
- Issue Management
- Analytical Thinking
- Coaching
- Collaboration
- Critical Thinking
- Customer and Client Focus
Shift: 1st shift (United States of America)
Hours Per Week: 40
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