Bank Of America SR AB Credit Officer 

United States, Georgia, Atlanta 

43522320

The role will be client-facing, with primary responsibilities including analyzing client trends to identify opportunities and manage risk and growing funded loans and credit revenue. Additional responsibilities would include pitching credit opportunities, reviewing and negotiating legal documentation, and overseeing the work of junior associates, including analysis of financial performance and preparation of approval documents.

The target candidate would be expected to handle more complex client relationships, as well as take a leadership role in managing bank groups and relationships with legal counsel, financial advisors, and financial sponsors. Some travel would be required to meet with clients.

Job Responsibilities:

• Manages a portfolio of asset-based structured loans in the general industries space.
• Proactively identifies credit solutions and opportunities to grow funded loans and spreads.
• Actively monitors financial and collateral trends and recommend appropriate action.
• Review requests for loan modifications
• Analyzes financial performance, negotiates credit terms, drafts proposals, reviews and negotiates loan documents, and oversees preparation of recommendations for approval.
• Participates in building client relationships.
• Handles both performing credits as well asdistressed/turnaroundcredits including managing accounts through restructurings and bankruptcy processes.

Required Qualifications:

• 5+ years’ experience in asset-based lending, commercial banking, or private credit
• Sound understanding of credit, transaction structuring, and financial and collateral analysis
• Detailed understanding of legal documentation
• Ability to draft concise, accurate and clear credit approvals with minimal oversight.

Desired Qualifications:

• Bachelor's or Master’s degree preferred or equivalent experience
• Formal Credit Training
• Experience with bankruptcy and restructuring matters

Skills:

• Attention to Detail
• Client Management
• Decision Making
• Underwriting
• Credit Documentation Requirements
• Critical Thinking
• Portfolio Management
• Problem Solving
• Written Communications
• Financial Analysis
• Negotiation

High School Diploma / GED / Secondary School or equivalent