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Bank Of America Leasing Credit Officer II United States, Illinois, Chicago 159101895
Job Description:
The Leasing Credit Officer II (LCO) will determine appropriate obligor and facility risk ratings through ongoing review of client financial statements, covenant compliance, loan/lease legal documents, collateral, and monitoring of news articles and other early warning alerts, as well as through interaction with Risk Management Officers, Marketing Officers, SAG Officers, Legal, Equipment Management Officers and Credit Underwriting Officers. When a Bank relationship exists, the LCO is expected to check the Bank credit team actions and risk rating assignments to assess impact to Leasing exposure and interact effectively with Bank partners. When required, the LCO will contact the client directly. The LCO’s assigned portfolio of accounts will include primarily Criticized (troubled/workout) assets managed outside SAG.
The LCO will be required to prepare quarterly SER reports and other periodic credit reviews. In addition, the LCO will handle ad-hoc credit-related requests for clients, including negotiating and approval of waivers and amendments to existing leases or loans.
The successful LCO will be able to simultaneously manage multiple demands and priorities while maintaining organization, adherence to deadlines and compliance with policy. Additionally, the ability to identify, anticipate and to proactively address potential credit problems early in the process is critical, including issuance of legal notices to the client as appropriate.
Responsibilities:
The LCO will determine appropriate obligor and facility risk ratings through ongoing review of client financial statements, covenant compliance, monitoring of news articles and other early warning alerts, as well as through interaction with Risk Management Officers, Marketing Officers, SAG Officers, Legal, Equipment Management Officers and Credit Underwriting Officers
Interact effectively with Bank partners
Contact the client directly
LCO’s assigned portfolio of accounts will include primarily troubled (workout) assets managed outside SAG
Handle ad-hoc credit-related customer service request for clients, including negotiating waivers and amendments to existing leases or loans
Prepare quarterly SER reports and other periodic credit reviews
Training and mentoring of more junior associates, as well as ownership of various Leasing processes
Manage multiple demands and priorities while maintaining organization, adherence to deadlines and compliance with policy
Identify, anticipate and proactively address potential credit problems early in the process
Required Qualifications:
5+ years’ experience in the commercial banking, leasing, or finance industry
Proficient commercial credit or leasing underwriting or portfolio management experience
Proficient credit and secured equipment finance knowledge
Experience reviewing and negotiating legal documents
Desired Qualifications:
Undergraduate degree in finance or accounting
Prior experience in high risk Criticized/Classified Exposures
Prior Lease Finance Experience and High Net Worth Underwriting
Prior experience in Corporate Aircraft Finance
Proficient in Moody's CreditLens - Financial Statement Spreading
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
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