Commercial Credit Officer

North Bethesda, Maryland;Baltimore, Maryland; McLean, Virginia

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 Description:

The Commercial Credit Officer (CCO) is a highly skilled resource, providing expert level advisory guidance in the most complex, integrated debt capital solutions for commercial banking clients. Products principallyinclude lines of credit,andterm loans,designed to meet company objectives, executed bilaterally as well as in syndicated markets. The CO is an integral member of the Client Team and is responsible for delivering the end-to-end credit experience to clients and prospects, includingmanagement of allancillary credit exposure to clients. The CO maintains knowledge of other Bank of Americanproducts including Treasury Management,hedging and other ancillary solutionsthat have credit exposure, and leverages product expertise to deliver the best possible and optimally integrated strategic solution for the client or prospect. This role reports to the Commercial Credit Managerand will be aligned to an Underwriting Team that supports the market.

Responsibilities:

• Manages the credit process for a portfolio of clients

• Builds relationships with existing and prospective clients

• Provides capital structure solutions and drives credit sales

• Leads the credit and risk approval processes

• Negotiates credit documentation

• Mentors and supports junior credit associates

Skills:

• Client Solutions Advisory

• Financial Analysis

• Loan Structuring

• 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

Required Qualifications:

• 10+ years of solid Commercial Banking/Corporate Finance experience

• Experience in financial analysis, structuring, underwriting, risk assessment and portfolio management

• Analytical/technical skills, including financial accounting, modeling and loan structuring

• Proven sales results through client acquisition, expansion, and retention

• Strong communication skills; ability to communicate vertically, horizontally, and externally

• Industry knowledge across multiple sectors, including Aerospace, Defense, and Government Services

Minimum Education Requirement: BA/BS Degree Desired

Shift:

1st shift (United States of America)

Hours Per Week:

40

Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity and affirmative action, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates.

To view the "EEO is the Law" poster, CLICK HERE (https://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf) .

To view the "EEO is the Law" Supplement, CLICK HERE (https://www.dol.gov/ofccp/regs/compliance/posters/pdf/OFCCP_EEO_Supplement_Final_JRF_QA_508c.pdf) .

Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy (“Policy”) establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment.

To view Bank of America’s Drug-free workplace and alcohol policy, CLICK HERE .