Credit Officer jobs in United States, Arizona, Scottsdale

Job Description:

Job Description:

The Credit Officer II (CO II) is a highly skilled resource, providing expert level advisory guidance in the most complex, integrated debt capital solutions for commercial banking clients.Products include lines of credit, term loans, real estate loans, and syndicated loans.The CO II manages all of the ancillary credit exposure to clients. The CO II maintains knowledge of other BofA products including Investment Banking and Treasury Management that 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 Manager or Executive and will be aligned to an Underwriting Team that supports the market.

Responsibilities:

• Manages the credit process for a portfolio of clients

• Negotiates credit documentation

• Leads the credit and risk approval processes

• Builds relationships with existing and prospective clients

• Mentors and supports associates

• Provides capital structure solutions

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 Experience

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

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

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

• Industry knowledge across multiple sectors

Minimum Education Requirement:BA/BS Degree Desired

Essential Responsibilities:

• Develop and implement the overall data science strategy, aligning with corporate goals and objectives.
• Lead the design and execution of advanced data science projects to support strategic decision-making.
• Collaborate with executive leadership to identify and prioritize data-driven opportunities.
• Oversee the development and maintenance of data infrastructure, ensuring scalability and efficiency.
• Ensure compliance with data privacy and security regulations.
• Drive innovation in data science practices and tools, staying ahead of industry trends.

Minimum Qualifications:

• Minimum of 15 years of relevant work experience and a Bachelor's degree or equivalent experience.
• Minimum of 3 years management experience

Preferred Qualification:

• Proven track record of effectively leading, globally distributed teams
• Bachelor’s degree in a quantitative discipline; advanced degree preferred.
• In-depth knowledge of Identity & authentication risks, technologies, regulations.
• Demonstrated success in driving innovative risk management solutions using advanced analytics and technology.
• Ability to influence and engage with C-level executives, articulating complex strategies and their business implications.
• Proven success in working cross-functionally with analytics, engineering, product, and compliance teams to deliver impactful solutions.
• Expertise in leveraging data and analytics to inform risk strategies and optimize outcomes.
• Experience managing programs across multiple geographies, accounting for regional nuances and regulatory variations.
• Skilled at navigating ambiguity, adapting to rapid changes, and prioritizing evolving requirements

Our Benefits:

Any general requests for consideration of your skills, please

Job Description:

Job Description:
In DFS, assigned as a market or industry level resource, the Credit Products Officer (CPO) is a highly skilled resource, providing expert level advisory guidance in the most complex, integrated debt capital solutions. Guidelines for assignment of CPOs include specific criteria and is made at the discretion of the Credit Products Manager (CPM) in consultation with the Market Executive (ME). The role also serves as Line/Credit approver in conjunction with Risk management based on credit approval grid and drives the internal credit approval process, loan documentation and closing. Involvement with monitoring activities/approvals is also part of the responsibilities. The CPO maintains knowledge of other BofAML products including Investment Banking and Treasury Management that have credit exposure, and leverages product expertise to deliver the best possible and optimally integrated strategic solution for the client or prospect. The role is balanced between analysis of clients and prospects and their industries, design and execution of credit solutions, and the active management of asset quality. Client facing, the CPO collaborates with the Client Manager (CM), Treasury Solutions Officer (TSO), and other product partners, when needed, to assess client needs, design integrated solutions and deliver the bank to clients and prospects. The CPO reports to the Credit Products Manager (CPM) and will be aligned to 1-3 Portfolio Management Officers (PMO), serving as a mentor/coach.

J
ob Responsibilities:

• Sr. Credit Products Officer (SCPO) serves as a key member of the Commercial Client Team in handling the clients financial needs, ensuring that the overall client experience is favorable, and that the bank is in a position to expand the relationship
• The client team is charged with helping clients achieve their overall financial goals via the delivery of our debt and deposit capabilities, as well as the full breadth of services offered by Bank of America
• Working closely with the client team, the Sr. Credit Products Officer’s (SCPO's) role in the credit process is the guidance and oversight of underwriting, structuring, and documentation of credit requests on an assigned portfolio
• Includes an evaluation of the financial standing of the client or prospect and the appropriateness of the existing or proposed credit structure, and suggestion of any changes to help optimize the relationship
• Underwrite and structure complex credit transactions with minimal oversigh
• Provide ongoing coaching and support to other Credit Products team members, reporting to the Sr. Credit Products Manager, and partner closely with Client Managers and the Credit Risk Manager (CRMs)
• Some travel time with face-to-face interaction with our dealer clients
• Interacts with clients and prospects to understand their financial goals and objectives, current and future financial performance, and their needs and desires for their banking relationship
• Involved in the negotiation and closing process for transactions in portfolio
• Oversees the monitoring of their assigned portfolio to maintain credit quality, and to ensure timely recognition and management of any changes via the use of the bank’s proprietary risk rating tool, and the review of various compliance, exception and past due reports

Required Qualifications:

• 5 + years of solid experience in commercial credit analysis to include underwriting, structuring, documentation and portfolio management
• Strong knowledge and comprehension of loan and collateral documentation
• Ability to accurately analyze borrower’s financial picture and deliver a comprehensive risk analysis to manager and risk officers
• Confidence and ability to develop an independent viewpoint and present a business case to support conclusions
• Excellent relationship management skills, experience working in a team environment, ability to help influence constituencies with diverse views towards consensus
• Coaching and mentoring skills
• Strong Microsoft Office Skills

Desired Qualifications:

• Undergraduate degree in Finance or Accounting
• Prior experience leading a team
• Prior experience mentoring less experienced associates
• Completion of a formal commercial credit training program
• Knowledge of the franchised automobile and RV dealership businesses

Skills:

• Credit and Risk Assessment
• Customer and Client Focus
• Loan Structuring
• Oral Communications
• Written Communications
• Analytical Thinking
• Collaboration
• Legal Structures and Legal Forms
• Presentation Skills
• Prioritization
• Attention to Detail
• Policies, Procedures, and Guidelines
• Product Management
• Strategic Thinking
• Underwriting

Job Description:

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 include lines of credit, term loans, real estate loans, and syndicated loans.The CO manages all of the ancillary credit exposure to clients. The CO maintains knowledge of other BofA products including Investment Banking and Treasury Management that 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 Manager or Executive and will be aligned to an Underwriting Team that supports the market.

Responsibilities:

• Manages the credit process for a portfolio of clients

• Negotiates credit documentation

• Leads the credit and risk approval processes

• Builds relationships with existing and prospective clients

• Mentors and supports associates

• Provides capital structure solutions

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 Experience

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

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

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

• Industry knowledge across multiple sectors

Minimum Education Requirement:BA/BS Degree Desired

Job Description:

Job Description:
The UW is responsible for underwriting and structuring of credit transactions. The UW is able to underwrite credit transactions with minimal oversight from the Credit Officer (CO) and also approves complex credit transactions with some coaching from the CO/Commercial Credit Manager (CCM). The UW leads the credit approval process with assistance from the CCM as needed for clients without CO coverage and is an active participant with the CO in credit approval process for complexUWs may call on credit clients and prospects in partnership or independently with the RM and/or CO as appropriate. Provides ongoing management and primary accountability for a portion of the monitoring and maintenance activities on an assigned portfolio or market, including a higher composition of complex client relationships. They monitor clients operating performance and financial condition to proactively identify issues and opportunities. They deliver financial, industry, economic and other analysis to facilitate decision making, while also ensuring adherence to credit policies, guidelines, and applicable regulatory requirements. The UW's provide ongoing coaching and support to other Credit team members. They report to CCM and partner closely with COs.

Responsibilities:

• Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facility

• Partners with Credit Officers, Relationship Management, and Risk teammates to assess and deliver credit solutions

• Monitors the client's operating performance and financial condition, proactively identifying issues and opportunities

• Delivers financial modeling, loan structure, industry, economic, and other analysis to team members to support the loan decision-making process

• Ensures adherence to credit policies, guidelines, procedures, and applicable regulatory requirements

Skills:

• Attention to Detail

• Credit and Risk Assessment

• Financial Analysis

• Underwriting

• Written Communications

• Analytical Thinking

• Credit Documentation Requirements

• Financial Forecasting and Modeling

• Recording/Organizing Information

• Business Acumen

• Collaboration

• Collateral Management

• Loan Structuring

Required Qualifications:

• 3+ years of solid experience in Commercial Banking performing financial analysis, structuring, underwriting and portfolio management

• strong communication and analytical/technical skills, including financial accounting, modeling and loan structuring.

Desired Qualifications:

• Participate with RM or CO's to negotiate Credit Agreements & loan documents, as needed.

• Be knowledgeable of the closing process & timeline for all types of loans (i.e. real estate, revolvers, etc.)

• BA/BS Desired