Credit Officer - Global Corporate & Investment jobs at Bank Of America in United States, Chicago

This job is responsible for the delivery of integrated treasury solutions to clients and prospects that may be in the United States (US) or global. Key responsibilities include actively managing and pursuing treasury revenue streams along with increasing product penetration across an assigned portfolio and partnering closely with client-facing teammates to consult on sales opportunities. Job expectations include providing product knowledge to deliver the best possible solution to meet the client and prospect’s needs.

Responsibilities:

• Drives responsible revenue and balance sheet growth, profitability improvement, client calling and planning, portfolio development, pricing strategy, proposal responses, and leads client facing treasury presentations

• Partners with bankers and Product Specialists across the enterprise to develop customized treasury solutions by identifying new opportunities based on client-focused cost and benefit analysis and bank-focused profitability analysis

• Leads pricing and negotiation discussions with the client for treasury management products to optimize relationship profitability and Year over Year (YoY) growth

• Consults within the Client Management Process (CMP) on client relationship development from growth of new client relationships to deepening existing relationship through thoughtful identification of client needs

• Fosters digital adoption by driving mobile, digital, and real time payments adoption and manages strategic dialogues around key client centric issues, while leveraging best practices, peer benchmarking, industry data analytics, and solutioning positioning

• Leads, coaches, and develops Treasury Sales Analysts (TSA), Treasury Sales Officers (TSO), and Treasury Sales Client Officers (TSCO) in day-to-day support of client deliverables

• Maintains an in-depth client focus, treasury industry expertise, client subsector expertise, and a broad understanding of bank structure

Managerial Responsibilities:
This position may also have responsibilities for managing associates. At Bank of America, all managers at this level demonstrate the following responsibilities, in addition to those specific to the role, listed above.

• Opportunity & Inclusion Champion: Models an inclusive environment for employees and clients, aligned to company Great Place to Work goals.

• Manager of Process & Data: Demonstrates deep process knowledge, operational excellence and innovation through a focus on simplicity, data based decision making and continuous improvement.

• Enterprise Advocate & Communicator: Communicates enterprise decisions, purpose, and results, and connects to team strategy, priorities and contributions.

• Risk Manager: Ensures proper risk discipline, controls and culture are in place to identify, escalate and debate issues.

• People Manager & Coach: Provides inspection, coaching and feedback to motivate, differentiate and improve performance.

• Financial Steward: Actively manages expenses and budgets in alignment with objectives, making sound financial decisions.

• Enterprise Talent Leader: Assesses talent and builds bench strength for roles across the organization.

• Driver of Business Outcomes: Delivers results by effectively prioritizing, inspecting and appropriately delegating team work.

• The Treasury Sales Officer (TSO) will be responsible for managing and aggressively growing treasury revenue across a portfolio of Large Corporate GIG clients. He or she will partner with Corporate Bankers, Trade, Liquidity, Investment, Foreign Exchange partners and others across the enterprise to develop customized treasury solutions that meet client objectives.

• The TSO will focus on growth of new and underpenetrated client relationships and expansion of existing relationships.

• The TSO will be accountable for revenue growth, profitability, client planning, client calling, portfolio development, pricing strategy, and proposal/presentation development/delivery.

• The TSO will maintain a strong client focus, treasury industry expertise, understanding of the evolving tech, innovation and ESG landscape, client subsector expertise and a broad understanding of bank structure and the operational aspects of global cash management products and services.

• The TSO will possess strong communication and interpersonal skills, the ability to influence, lead and mobilize business partners, and appropriate financial acumen.

• The TSO must also be motivated to maintain a consistent level of goal achievement and be willing to challenge themselves.

Required Qualifications:

• Inclusive and Inspiring: Seeking motivating team players who value collaboration, celebrating shared success and who actively seek and appreciate diverse thoughts and backgrounds

• Authentic and Passionate: Seeking highly engaged teammates whose intensity and intentions align and are enthusiastic about the work we are doing for our clients and in our communities

• Innovative and Curious: Seeking teammates with out-of-the box ideas and solutions, who embrace change with a future-forward mindset, and are looking to challenge the status quo

• Confident and Agile: Seeking strong communicators who value giving and receiving feedback, easily build relationships, and who are quick thinking, flexible, and always learning and sharing knowledge

• Excellent verbal/ written communication and presentation skills

• Proven negotiation and active listening skills

• Proven business development and relationship management skills with a corporate client set.

• Excellent critical/strategic thinking and problem resolution skills

• Broad and deep treasury / cash management industry experience, including global product knowledge and industry trends

• Ability to demonstrate creative thinking while adhering to guidelines

• Strong business/financial acumen

• Proven ability to foster strong partnerships within the core team and the ability to build trust and deep, market differentiating relationships with clients

• Strong time management and prioritization skills

• Ability to effectively manages risk while balancing the needs of the client, the team, and the bank

• Able to effectively work as an individual contributor as well as a supportive and collaborative team member, proactively engaging and mobilizing internal partners in a fast paced environment

• Strong executive presence both internally/externally

Desired Qualifications:

• US and International treasury management and/or product knowledge

• Intrinsically motivated to continuously improve processes and/or one’s own education

• Ability to lead small groups while effectively delegating tasks

• Exercises the desire to mentor and sponsor other associates

• Certified Treasury Professional certification or equivalent

Skills:

• Account Management

• Business Development

• Client Management

• Client Solutions Advisory

• Customer and Client Focus

• Critical Thinking

• Portfolio Analysis

• Presentation Skills

• Relationship Building

• Sales Strategy

• Coaching

• Collaboration

• Oral Communications

• Prioritization

Job Description:

This job is responsible for providing advice and valuable financial solutions to complex Global Commercial Banking clients and prospects. Key responsibilities include serving as the primary point of contact or trusted advisor and acquiring, deepening, and maintaining profitable relationships, collaborating with teammates, and facilitating client relationships with Product Specialists. Job expectations include having knowledge of the bank's products and services in order to identify business development, cross-selling opportunities for new and existing clients as well as focusing on overall client satisfaction.

Responsibilities:

• Manages an extensive portfolio of HENPF clients and prospects with annual revenues of $50 million and above to help companies save, borrow, and invest for their current and future needs
• Acquires, deepens, and maintains profitable client relationships through sales, prospecting, and enhancing existing relationships
• Understands and interprets financial and cash flow statements to assess and analyze financial conditions of companies and industry trends
• Collaborates with domestic and international teammates throughout the bank, including Investment Banking, Foreign Exchange, and Wealth Management and facilitates client relationships with Product Specialists in Credit, Treasury Management, and Merchant Services in order to design and deliver financial solutions to clients and prospects
• Leads and facilitates dialogue with a variety of complex clients and prospects regarding topics such as the client and prospect industry, alternative capital structures, and general business issues
• Coaches and mentors peers, while utilizing leadership skills
• Adapts to changes in sales practices and broader market and industry conditions as needed

Skills:

• Client Management
• Client Solutions Advisory
• Prospecting
• Relationship Building
• Risk Management
• Financial Analysis
• Leadership Development
• Project Management
• Referral Identification
• Sales Performance Management
• Business Development
• Client Experience Branding
• Continuous Improvement
• Data and Trend Analysis
• Pipeline Management
• Intellectual Curiosity

Required Qualifications:

• 10+ years’ experience in broad based commercial lending/corporate finance/relationship management experience
• Demonstrates management capability of an extensive portfolio of Healthcare, Education and NFP clients with revenues greater than $50 million.
• Proven track record of prospecting new business, enhancing existing relationships and closing profitable transactions.
• Professional proven sales skills and experience, including planning, execution and follow up of client meetings.
• Strong corporate finance, capital markets and accounting acumen.
• Financial modeling experience and the completion of a formal credit training preferred.
• Outstanding oral and written communication skills.
• Demonstrated leadership ability.
• Capable of organizing, facilitating, leading and negotiating with a team of bank associates to solve client problems.
• Securities Industry Essentials (SIE), Series 7 & 63(Must obtain SIE, series 7 & 63 license within 180 days of start date)

Desired Skills:

• Undergraduate degree in related field or equivalent work experience. MBA desirable.
• Existing knowledge of the market preferred.
• Active member/participation in local community organizations.
• Highly desirable to have active networking contacts and Centers of Influence established in market.
• Desire to work in a specialty team with an interest in Healthcare, Education & NFP institutions.

Job Description:

The Information Security Officer will be a member of the Business Information Security Officer's (BISO) organization and work closely with the line of business Front Line Units (FLU) / CIO executives. In this role, you will be supporting a group/team to develop a deep understanding of the business in order to have specialized information security risk-based discussions. This relationship will ensure a focus on the right risk priorities. You will also provide guidance on information security topics, policies and controls.Scale/Scope
• Contribute to the ongoing information security initiatives and improvements development, implementation and maintenance of information security for FLU/Ops
• Serves as an Information Security subject matter expert and participates in the development, implementation and maintenance of information security for FLU/Ops
• Aligned to Fraud Authentication , Financial Center, and Automated Teller Machines channel segments to drive a security strategy and to ensure appropriate security by design requirements execution
• Provides guidance and advocacy regarding the prioritization of investments that impact information security
• Advises management on risk issues related to information security and recommends actions in support of the bank's wider risk management and compliance programs
• Monitors information security trends internal and external to the bank and keeps leadership informed
• Manages quality control and reporting
• Ensures compliance with policies and lawsRequired Skills
• Information Security & Technology professional with 10+ years’ experience
• 7+ years of risk management experience with proven ability to effectively apply risk principles to challenging business situations
• Subject matter expertise in application security, vulnerability testing and development of risk appetite
• Experience evaluating cyber security controls and providing guidance for platform or distributed computing platforms (Cloud, PaaS)
• Experience evaluating third party information security control and providing guidance to reduce risk on identify observations
• Experience with information security for No SQL, Big Data , and unstructured data stores (Cassandra, Hadoop, and /or Teradata)
• Knowledge in Windows, Midrange and Mainframe Platforms with emphasis on security application security controls
• Exceptional executive presentation and communication skills
• Excellent influencing and problem resolution skills
• Advises LOB management on risk issues related to information security and recommends actions in support of the bank's wider risk management and compliance programs
• Ability to be comfortable delivering messages across a wide spectrum of individuals having varying degrees of technical understanding
• Strong leadership skills and qualities which enable you to work with peers and various levels of managementDesired Skills:
• Bachelors and/or Master’s degree in Computer Science, Information Technology or related field
• Experience working on cloud control assessment in Microsoft Azure, Amazon Web Services and Google Cloud Platform environments

Risk Management
• Drives GIS/FLU/Ops risk deliverables
• Collaborates with risk partners on info security critical priorities
• Participates in senior FLU/Ops specific Risk Management & Business Continuity Routines
• Identifies and measures global information security (GIS) controls on most critical business processes or channelsLeadership/Strategy
• Ability to build strong Partner relationships with peer technology groups and supported FLU/Ops
• Supports the triage process with the client and helps them understand the GIS support structure
• Drives required risk culture and partnership with peer technology teams and supported FLU/Ops
• Participates in key operating routines to drive information security risk strategy

• Leads cybersecurity risk assessments of Generative AI use cases, including assessment of the inherent risk and control effectiveness
• Guides business leaders and technology organizations on initiatives requiring Global Information Security engagement and/or manage problem resolution on cyber security related issues
• Serves as a common risk control partner to identify emerging security risks in the portfolio
• Drives adherence and appropriate risk tolerance levels, operating in accordance with the information security policies defined to protect against threats to data confidentiality, integrity, and availability
• Promotes awareness of current and emerging cybersecurity threats and advise on potential information security exposure
• Facilitates risk reviews across logical and physical boundaries to identify gaps and recommend secure designs
• Interprets the information security requirements outlined in policy, standards and procedures as well as reinforces requirements through education and awareness
• Leads as a "security ambassador" to help business leaders drive strategic and innovative risk mitigation priorities and navigate the Global Information Security organization

• 8+ years of experience in cybersecurity, with at least 2 years focused on cyber assessment of Artificial Intelligence or Machine Learning systems
• A deep understanding of Generative AI/Large Language Models and assessment frameworks including MITRE ATLAS, OWASP Top 10 for LLM and GenAI, and NIST AI RMF
• In-depth knowledge of cybersecurity threats, controls and technologies, with a deep understanding/experience with software developer experiences to bridge the gap between the theoretical and practical application
• Ability to apply knowledge of internal and external information vulnerabilities to evaluate the degree of threat to an information system and answer tactical questions about current operations, predict future behavior or recommend appropriate mitigation countermeasures
• Ability to manage and design controls that may contribute to a remediation plan developed to address policy, technology, environmental, and/or operational gaps
• Ability to bring multiple stakeholders together, including senior business and technology leaders, and cut to the heart of issues to reach consensus
• Ability to decompose complex issues and drive timely decisions, knowing when to engage others for additional input, and when to act independently
• Bias for action and a commitment to build partnerships in a dynamic risk & threat driven environment
• Strong interpersonal skills; ability to make effective presentations and communicate technical concepts to non-technical parties
• Ability to identify, measure, monitor, and control risk as part of daily business activities, with a focus on specific risk types (e.g., Strategic, Credit, Market, Liquidity, Operational, Compliance, Reputational)
• Ability to design, architect, analyze, support, and secure cloud-based workloads
• Excellent communication, influencing and facilitation skills

Job Responsibilities:

• Responsible for managing a team of credit professionals supporting a Healthcare, Education and Not For Profit large national portfolio for Bank of America’s Global Leasing group.
• Resposible for determining credit appetite and tailored strategies for clients in this industry alongside partners in credit, sales, and risk management.
• Management of the evaluation and underwriting of new equipment finance transactions, including the identification of all strengths, weaknesses, and risks – including credit risk, market risk, operational risk – as well as the associated mitigating factors.
• Oversees the monitoring of credits throughout equipment line availability period to observe for emerging risks and offer direction & strategy during periods of credit deterioration through sound credit & equipment finance expertise which has led to favorable asset quality with minimal charge-offs
• Offers proactive, client focused equipment finance solutions

Managerial Responsibilities:

This position may also have responsibilities for managing associates. At Bank of America, all managers at this level demonstrate the following responsibilities, in addition to those specific to the role, listed above.

• Opportunity & Inclusion Champion: Models an inclusive environment for employees and clients, aligned to company Great Place to Work goals.
• Manager of Process & Data: Demonstrates deep process knowledge, operational excellence and innovation through a focus on simplicity, data based decision making and continuous improvement.
• Enterprise Advocate & Communicator: Communicates enterprise decisions, purpose, and results, and connects to team strategy, priorities and contributions.
• Risk Manager: Ensures proper risk discipline, controls and culture are in place to identify, escalate and debate issues.
• People Manager & Coach: Provides inspection, coaching and feedback to motivate, differentiate and improve performance.
• Financial Steward: Actively manages expenses and budgets in alignment with objectives, making sound financial decisions.
• Enterprise Talent Leader: Assesses talent and builds bench strength for roles across the organization.
• Driver of Business Outcomes: Delivers results by effectively prioritizing, inspecting and appropriately delegating team work.

Required Qualifications:

• 7+ years commercial equipment finance leasing experience
• 2+ yrs of leadership or mentoring experience
• Ability to motivate and influence teams and business partners
• Knowledge of commercial equipment financing from a credit underwriting perspective
• Excellent credit and risk analysis skills – ability to identify trends and risks in portfolio and in underwriting and client selection
• Excellent presentation, structuring, and financial statement analysis skills
• Must have sufficient Microsoft Office skills
• Must be results oriented and able to accomplish objectives in a specified timeframe

Skills:

• Attention to Detail
• Loan Structuring
• Portfolio Management
• Risk Management
• Underwriting
• Coaching
• Collateral Management
• Credit Documentation Requirements
• Relationship Building
• Written Communications
• Active Listening
• Client Management
• Critical Thinking
• Oral Communications
• Performance Management

Job Description:

Job Description:
Typically has 7+ years workout/corporate loan experience. Reports to the credit products head - special assets or the international special assets regional manager. Primary market contact for both internal and external communications. May have managerial responsibility for all levels of credit products special assets associates in assigned market. Experience includes knowledge of bankruptcy law, workout strategies, and commercial credit analysis, structuring and market dynamics. Has corporate special assets credit approval authority and, may become directly involved in workoutstrategies/negotiations.May have international responsibilities and therefore require familiarity with a multitude of different banking and legal systems, as well as senior level bankers and governmental agencies. Lead workout negotiations on agented deals where the bank is lead agent.

The Special Assets Group (SAG) Corp/Comm Senior Portfolio Officer is responsible for managing a portfolio of problem commercial credit exposures, with an emphasis on the most complex and high-risk credits. The role is central to protecting the bank’s interests by developing and executing effective workout and resolution strategies focused on reducing the volatility and severity of losses and, when possible and appropriate, to maximize revenue and growth opportunities through rehabilitation and retention of existing client relationships.

Responsibilities:

• Manage a portfolio of high-risk/criticized or distressed commercial loans.
• Develop and execute workout and resolution strategies tailored to each credit situation.
• Serve as the primary contact for all loan-related communications, including borrowers, bank participants, legal counsel, and internal/external stakeholders.
• Monitor borrower performance, financial condition, and covenant compliance to ensure timely risk rating adjustments and proactive issue identification.
• Prepare credit approval documents, justify recommended strategies, and present to senior leadership for decisioning.
• Support asset quality forecasting and reporting efforts.
• Ensure compliance with internal credit policies and applicable regulatory requirements.
• Collaborate with LOB partners, legal teams, and external bank groups to drive resolution outcomes.
• Coach and mentor junior associates on the team to help develop credit and corporate workout skills.

Required Qualifications:

• Minimum of 7+ years of experience in corporate workout, credit restructuring, or related risk management experience.
• Strong credit analysis and underwriting skills, including risk rating, structuring, and covenant assessment.
•Analytical/technicalskills, including financial accounting, modeling and loan structuring
• Strong communication skills; ability to communicate vertically, horizontally, and externally
• Industry knowledge across multiple sectors

Desired Qualifications:

• Knowledge of Business Law, a legal aptitude, strong knowledge of contracts, and knowledge of bankruptcy law
• Ability to work independently on complex transactions while exercising sound credit judgment
• Knowledge of ancillary banking products such as treasury services, derivatives, commercial cards, and deposits
• Strong Knowledge of Commercial Loan Documentation
• Knowledge of Commercial Credit Structure
• Ability for problem solving / critical / creative thinking / mental flexibility
• Strong Negotiation Skills
• Ability to think strategically, with an eye for detail

Skills:

• Adaptability
• Collection Management
• Critical Thinking
• Problem Solving
• Risk Management
• Credit and Risk Assessment
• Decision Making
• Financial Analysis
• Legal Structures and Legal Forms
• Underwriting
• Client Management
• Loan Structuring
• Negotiation
• Oral Communications
• Written Communications

Job Description:

Job Description:
This job is responsible for defining and leading the engineering approach for solutions at the program or portfolio level, to deliver significant business outcomes. Key responsibilities include continuously improving the design, quality, and reuse of the solution and delivering technology enablers that improve development efficiencies for the solution. Job expectations include familiarity with at least one area of engineering, acting as a “go to” reference across the organization, and applying knowledge to improve technical competencies through recruitment and development activities.

Bank of America is looking for an experienced, senior-level ServiceNow developer to help implement ServiceNow’s SecOps modules in a new, “greenfield” ServiceNow instance. This job is responsible for defining and leading the engineering approach for ServiceNow SecOps modules at the program or portfolio level to deliver key business outcomes. Job expectations include familiarity with at least one area of engineering, acting as a “go to” reference across the organization, and applying knowledge to improve technical competencies through recruitment and development activities.

Key Responsibilities:

• Develop the engineering approach for the ServiceNow Vulnerability Response (VR) solution and work with cross-functional teams to develop/analyze/deliver the implementation.
• Lead the definition, design, and development of ServiceNow VR feature configurations, which span multiple teams and explore solution alternatives as needed.
• Provide thought leadership on ServiceNow development practices and platform capabilities.
• Lead technical oversight for development teams, including design reviews, ensuring adherence to best practices, and implementing continuous improvement processes.
• Define the technology tool stack for the ServiceNow VR solution within range of internally approved and supported technologies.
• Explore state-of-the-art technologies to improve development efficiencies, quality of test/QA coverage, and release management.
• Lead and assume responsibility for the end-to-end test strategy/creation/adherence, and the integration between teams for the program/portfolio solution.
• Act as the “go to” resource across Bank of America’s Cybersecurity organization for ServiceNow VR development expertise.
• Collaborate with cross-functional teams, including IT, Asset Management, and Risk & Compliance, to ensure alignment of SecOps and core platform processes.
• Contribute to the organization’s ServiceNow roadmap to plan investments in system maintenance, upgrades, improvements, and additions that align with the organization’s long-term goals and objectives.

Required Qualifications:

• 5+ years of experience developing on the ServiceNow platform, across multiple modules and core platform capabilities.
• Experience implementing the ServiceNow VR module (required) and configuring ServiceNow Workspaces, Flows, ACLs, Script Includes, Business Rules, UI Actions/Pages, Forms, Playbooks, Portals, and/or Reports.
• High level of proficiency with HTML, CSS, JavaScript, AJAX development.
• Experience designing, configuring, and developing integrations with the ServiceNow VR module, including Scripted REST APIs.
• Experience supporting ServiceNow platform upgrades and remediating skipped changes.
• Advanced scripting experience utilizing best practice formatting and comments in Script Includes, Business Rules, etc. Familiarity with Agile development practices.

Soft Skills:

• Demonstrated ability to lead and mentor technical teams, fostering a collaborative and knowledge-sharing environment. Excellent problem-solving and analytical skills, with a proactive approach to identifying and addressing technical issues when they arise. Strong written and verbal communication skills, with the ability to communicate complex concepts to non-technical stakeholders and collaborate effectively across teams.

Desired Qualification :

• Bachelor’s degree in Computer Science, Cybersecurity, or a related field is preferred but not required.

Desired Certifications:

• ServiceNow Certified Systems Administration (CSA) certification.
• ServiceNow Certified Application Developer (CAD) certification.
• ServiceNow Certified Implementation Specialist (CIS) – Vulnerability Response.
• ITIL v3 or v4 Certification preferred.

Skills:

• Automation
• Influence
• Result Orientation
• Stakeholder Management
• Technical Strategy Development
• Application Development
• Architecture
• Business Acumen
• Risk Management
• Solution Design
• Agile Practices
• Analytical Thinking
• Collaboration
• Data Management
• Solution Delivery Process

This job will be open and accepting applications for a minimum of seven days from the date it was posted.