דרושים Senior Credit Officer/credit Officer – Asset Based Finance ב-Bank Of America ב-United States, Boston

Job Description:

Job Description:

This job is responsible for supporting multiple network security engineering efforts to deliver enterprise security capabilities globally. Key responsibilities: include serving as a subject matter expert of security technology, overseeing major engineering milestones including the design, development, and implementation of systems, and reporting on key metrics. Job expectations include executing on engineering initiatives, partnering with cross-functional teams, solving complex issues within BofAs global network footprint, and mentoring/managing team members.

This role is for a Senior Network Engineer. This role participates and leads design discussions, engineering and implementation of network activities. This includes vendor selection, testing, technical support, systems/network design, and risk reduction activities. This person is responsible for components of complex engineering and/or analytical tasks and activities, they assist in establishment of input/output processes and working parameters for hardware compatibility and coordination of subsystems design and integration of total system. They will serve as a fully seasoned/proficient technical resource and technical subject matter expert. This role will have direct reports and will also influence and direct activities of a team related to special initiatives or operations. Provides input on staffing, budget, and personnel. Typically 5 or more years of systems engineering experience.

Key Responsibilities:

• Contribute to defining and ensuring security requirements are met based on BofA standards and Policies.

• Incorporates basic architecture components including threat-models, diagrams, and technological requirements for in solution development.

• Understand and utilize basic network, virtualization, and datacenter technologies for deployment strategies.

• Work across technology teams to understand and aid in the delivery of system requirements.

• Build and improve processes supporting system transformation, structures, quality controls, dependency, and workload management.

• Perform/Implement existing test suites (integration, regression, and performance), analyze test reports, identify any test issues/errors, and triage the underlying cause.

• Document and communicate required information for deployment, maintenance, support, and business functionality.

• Adhere to team delivery/release process and cadence pertaining to solution deployment and release.

• Identify gaps in environment management standards adherence and work with appropriate partners to develop plans to close gaps.

Required Qualifications:

• 10+ years of experience in technology, preferably in network/infrastructure

• 5+ years of experience in Network Security

• 5+ years of experience in managing teams

• Expertise in Network design for hybrid cloud implementations and experience with various network security tools

• Experience in deploying large-scale, global projects and programs

• Familiarity with IT security and risk management practices

• Leadership skills and qualities which enable you to work with peers and various levels of management

• Effective communication skills and motivation/willingness to learn

Desired Skills:

• Bachelor’s degree in Computer Science, Information Security, or related field (or equivalent experience).

• Experience deploying security solutions in virtual environments such as VMWare, AWS, Azure

• Experience integrating network security solutions with IAAS, PAAS and SAAS components such as Zscaler, O365, etc.

• Experience deploying security solutions in email environments.

• Experience with Data Governance, Model Risk Management and Application Management.

• Ability to work with Technical and Non-Technical business owners.

• Familiarity with industry standard endpoint tools.

• Relevant certifications: CCNA, CCNP, CISSP, or CEH

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

Job Description:

Job Description:
This job is responsible for performing risk assessment and repayment capacity analysis (i.e., financial, borrower, industry, etc.) and preparing transaction justification for moderately to highly complex transactions with limited oversight. Key responsibilities include documenting credit analysis, independently assessing historic and projected borrower financial information, evaluating adherence to policy and procedure, providing loan structure analysis and recommendations, and monitoring portfolio performance.The Sr. Credit Underwriter uses this client knowledge to assess the appropriateness of existing solutions and to propose optimal financing alternatives or additional financing solutions. Directly accountable for managing credit quality and the approval process through their interaction with Risk Management Officers and Senior Management.

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

Required Qualifications:

• 7+ yrs commercial credit experience
• Must have equipment finance experience
• Experience in the analysis and structuring of complex transactions
• Strong credit and risk analysis skills
• Strong presentation, structuring and financial statement analysis skills
• Proven ability to analyze, interpret and negotiate third party documentation
• Proven ability to identify trends and emerging risks in underwriting and client selection

Desired Qualifications:

• Undergraduate degree in finance or accounting.
• MBA or CFA preferred

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
• Prioritization

Job Description:

Job Description:
This job is responsible for managing, monitoring, and documenting credit risk for a portfolio of clients. Key responsibilities include monitoring changes in credit profiles, compliance with credit agreements as well as structuring and underwriting new financing solutions across the Global Banking and Markets product spectrum. Job expectations may include assessing risk solutions which adhere to the bank's risk appetite and risk strategies and coaching and leading team members.

In Dealer Financial Svs, assigned as a market or industry level resource, the Credit Officer II is a highly skilled resource, providing expert level advisory guidance in the most complex, integrated debt capital solutions. 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 Credit Officer II 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 Credit Officer II collaborates with the Relationship Manager(RM),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.

Responsibilities:

• 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
• Acts as a senior coverage team resource supporting ongoing credit matters and asset quality, maintaining adherence to the bank's risk appetite and risk strategies to mitigate losses while identifying opportunities to responsibly growing the loan portfolio
• Leads new credit originations in coordination and collaboration with the coverage teams including Relationship Managers, Risk, Syndications, Treasury, and all other product partners
• Negotiates and structures legal documentation related to loans and derivatives
• Establishes appropriate internal risk ratings for clients and implements accurate adjustments throughout the client's credit life cycle
• Trains, coaches, and mentors Credit Analysts and Associates
• 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. 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
• Working closely with the client team, the role of the Credit Officer 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 oversight
• Some travel time with face-to-face interaction with our dealer clients
• 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:

• Minimum of 7 years commercial credit underwriting an analysis with a commercial bank or OEM captive finance organization.
• 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:

• Minimum of 10 years commercial credit underwriting and analysis with a commercial bank or OEM captive finance organization in the auto retail space. Direct customer-facing experience in a goal-oriented environment.
• Bachelor’s degree in Finance or Accounting

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

Job Description:

Job Description:

This job is responsible for serving as the first point of contact for financial center clients, helping to uncover personal banking needs of both individual and small business clients, offering appropriate solutions, and connecting clients to specialists. Key responsibilities include deepening client relationships through platform services, supporting clients with self-service or transactional activities, and providing exceptional client care. Job expectations include proactively connecting with clients through outbound calls and conducting consistent follow-up routines.

Responsibilities:

• Partners with teams to provide financial center clients with both consumer and small business solutions, services, and strategies when uncovering personal banking needs and helping clients navigate their unique life priorities

• Assists, educates, and trains clients on conducting simple transactions through self-service technologies

• Leverages available resources, technologies, and processes to optimize the client experience and deliver operational excellence and accuracy

• Adheres to established processes, laws, and guidelines in performing day-to-day activities, such as opening accounts, account maintenance, and Digital Assisted Shopping

• Manages client interactions by taking the best course of action for the bank and its clients and abiding by all regulatory requirements

Required Qualifications:

• Has a minimum of one year demonstrated sales experience in a relationship-oriented and client-centric environment. In lieu of this requirement, has previously held the role of Relationship Manager (RM), Advisor Development Program (ADP) RM, Credit Solutions Advisor (CSA I), or Relationship Manager Business Owner Specialist (RMBOS) at Bank of America for a minimum of six months.

• Is an enthusiastic, highly motivated self-starter with a strong work ethic and intense focus on results, acting in the best interest of the client.

• Collaborates effectively to get things done, building and nurturing strong relationships.

• Displays passion, commitment and drive to deliver an experience that improves our clients’ financial lives.

• Is confident in identifying solutions for helping new and existing clients based on their needs.

• Has strong written and verbal communications skills.

• Is able to communicate effectively and confidently, and is comfortable engaging all clients (in-person and by phone).

• Has the ability to learn and adapt to new information, technology platforms, handle ambiguity and adapt to changing circumstances.

• Applies strong critical thinking and problem-solving skills to meet clients’ needs.

• Demonstrates effective time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously.

• Is a commissioned notary or can successfully obtain a notary commission in the state you work within a few months of start date in role (exact timeframe varies by location due to differing state laws).

• Can be flexible to work weekends and/or extended hours as needed.

Desired Qualifications:

• An Associate’s Degree or Bachelor’s Degree in business, finance, or a related field.

• Experience working in a financial center where goals were met or exceeded.

• Retail and/or sales experience in a salary plus incentive environment.

• Experience working in an environment with individual and/or team goals where goals were routinely met or exceeded.

• Experience with financial information, spreadsheets and financial skills.

• Knowledge of banking products and services.

• Strong computer skills including Microsoft applications and previous experience utilizing laptop technology

• Active Listening

• Business Acumen

• Customer and Client Focus

• Oral Communications

• Problem Solving

• Account Management

• Client Experience Branding

• Client Management

• Client Solutions Advisory

• Relationship Building

• Business Development

• Pipeline Management

• Prospecting

• Referral Identification

• Referral Management

Minimum Education Requirement:

• High School Diploma / GED / Secondary School or equivalent

LOB Overview:

Job Description:

Job Description:

This job is responsible for serving as the first point of contact for financial center clients, helping to uncover personal banking needs of both individual and small business clients, offering appropriate solutions, and connecting clients to specialists. Key responsibilities include deepening client relationships through platform services, supporting clients with self-service or transactional activities, and providing exceptional client care. Job expectations include proactively connecting with clients through outbound calls and conducting consistent follow-up routines.

Responsibilities:

• Partners with teams to provide financial center clients with both consumer and small business solutions, services, and strategies when uncovering personal banking needs and helping clients navigate their unique life priorities

• Assists, educates, and trains clients on conducting simple transactions through self-service technologies

• Leverages available resources, technologies, and processes to optimize the client experience and deliver operational excellence and accuracy

• Adheres to established processes, laws, and guidelines in performing day-to-day activities, such as opening accounts, account maintenance, and Digital Assisted Shopping

• Manages client interactions by taking the best course of action for the bank and its clients and abiding by all regulatory requirements

Required Qualifications:

• Has a minimum of one year demonstrated sales experience in a relationship-oriented and client-centric environment. In lieu of this requirement, has previously held the role of Relationship Manager (RM), Advisor Development Program (ADP) RM, Credit Solutions Advisor (CSA I), or Relationship Manager Business Owner Specialist (RMBOS) at Bank of America for a minimum of six months.

• Is an enthusiastic, highly motivated self-starter with a strong work ethic and intense focus on results, acting in the best interest of the client.

• Collaborates effectively to get things done, building and nurturing strong relationships.

• Displays passion, commitment and drive to deliver an experience that improves our clients’ financial lives.

• Is confident in identifying solutions for helping new and existing clients based on their needs.

• Has strong written and verbal communications skills.

• Is able to communicate effectively and confidently, and is comfortable engaging all clients (in-person and by phone).

• Has the ability to learn and adapt to new information, technology platforms, handle ambiguity and adapt to changing circumstances.

• Applies strong critical thinking and problem-solving skills to meet clients’ needs.

• Demonstrates effective time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously.

• Is a commissioned notary or can successfully obtain a notary commission in the state you work within a few months of start date in role (exact timeframe varies by location due to differing state laws).

• Can be flexible to work weekends and/or extended hours as needed.

Desired Qualifications:

• An Associate’s Degree or Bachelor’s Degree in business, finance, or a related field.

• Experience working in a financial center where goals were met or exceeded.

• Retail and/or sales experience in a salary plus incentive environment.

• Experience working in an environment with individual and/or team goals where goals were routinely met or exceeded.

• Experience with financial information, spreadsheets and financial skills.

• Knowledge of banking products and services.

• Strong computer skills including Microsoft applications and previous experience utilizing laptop technology

• Active Listening

• Business Acumen

• Customer and Client Focus

• Oral Communications

• Problem Solving

• Account Management

• Client Experience Branding

• Client Management

• Client Solutions Advisory

• Relationship Building

• Business Development

• Pipeline Management

• Prospecting

• Referral Identification

• Referral Management

Minimum Education Requirement:

• High School Diploma / GED / Secondary School or equivalent