Bank Of America Leasing Credit Officer II-Healthcare Education & Not-For-Profit Finance 

United States, Illinois, Chicago 

499432974

This job is responsible for the delivery of integrated credit solutions to clients as well as on-going portfolio management. Key responsibilities include underwriting and negotiating new transactions, partnering with client-facing teammates to consult on sales opportunities, and providing the product expertise to deliver effective client solutions. Job expectations include providing on-going monitoring of client portfolios, ensuring accurate and timely analysis of financial statements, assignment of risk ratings, and required client reviews.

Responsibilities:

• Evaluates new end-user credit opportunities including identification and assessment of risks and identifies mitigating factors
• Partners with client-facing teammates to consult on sales opportunities and provide the product expertise and consultation necessary to deliver the best possible solution to the client
• Underwrites new transactions, analyzes credit risk, negotiates and closes deals, while adhering to internal policy, procedures and regulatory requirements
• Structures the terms of a lease/loan with respect to the various aspects that make up a lease/loan (e.g. pricing, rates, payment, term, collateral)
• Manages the credit process for a portfolio of clients including reviewing financial statements, assessing the client's compliance with financial covenants, confirming the accuracy of risk ratings, and recommending changes as warranted

Required Qualifications:

• 5+ years’ experience in commercial banking, leasing, insurance, finance or rating agency industries with significant credit experience in Healthcare, Education & Not-For-Profit
• 2+ years’ experience with presentation, structuring and financial statement analysis
• Demonstrated ability to analyze, interpret and negotiate third party documentation
• Experience identifying trends and emerging risks in underwriting and client selection
• Proficient Microsoft Office skills

Desired Qualifications:

• Experience in the analysis and structuring of complex transactions
• Undergraduate degree in Finance or Accounting, MBA a plus

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