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Bank Of America Commercial Credit Specialist I/II - Charlotte NC United States, North Carolina, Charlotte 614772779
Job Description:
Job Description:
This job is responsible for managing tasks related to the credit process. Key responsibilities include managing risk by monitoring financial reporting, coordinating the successful onboarding of clients as the first point of engagement for client teams, and effectively coordinating a systematic execution of the credit process in partnership with Relationship Managers, Credit and Treasury Teams, and Operations.
***Please note this role is not remote and will require you to be in the location of Charlotte, NC for January 2025***
The Commercial Credit Specialist (CCS) is responsible for tasks related to the end to end commercial credit process. The CCS role is the first point of engagement for the client team and responsible for ensuring timely and consistent execution of the commercial credit process. Responsibilities include initial deal coordination, confirmation that appropriate financial statements have been submitted for a request, order and review of pre‐close due diligence, preparation of internal legal documents or engagement of the fulfillment team, validation of operational feasibility and adherence to policy, coordination of closing activities, coordination of booking with product partners, escalating and resolving client issues, andsetup/scheduling/collection/monitoringof client related documentation as required by the Loan Agreement. The role is centrally located, market aligned to the client team. Role will have virtual client contact in order to facilitate collection of required documentation and other closing activities.
• Partners with Credit Teams to manage the bank's portfolio via monitoring financial package collection, maturities, Annual Exposure Review/Financial Analysis Summary, past due payments, and failed covenants
• Escalates and resolves client needs such as ordering pay-off letters, while delivering in partnership with Credit and Operations Teams
• Manages risk by clearing collateral exceptions to reduce the bank's legally binding exposure
• Ensures timely and accurate deal coordination through engaging outside counsel to prepare loan documentation, assisting with the completion of pre-close checklists, and connecting with fulfillment to book facilities in the system of record
Required Skills:
- Strong, professional communication skills and client‐facing presence
- Organizational and time management skills
- Exceptional sense of urgency
- Delivery of world class client experience; customer service focus
- Attention to detail and able to execute in a fast paced environment
- Responsive to customer needs
- Proven self‐motivator with the ability to effectively prioritize work
- Ability to coordinate with multiple points of contact (internal and external)
- Experience in the financial services industry, specifically related to commercial banking
Desired Skills
- Project management experience
- Paralegal skills (i.e. understand legal language and experience with legal docs)
- Prior loan closing experience (or similar)
- Understanding of commercial credit
- Proficiency in technology, including Microsoft applications
• Issue Management
• Customer and Client Focus
• Prioritization
• Written Communications
• Collection Management
• Attention to Detail
• Collaboration
• Oral Communications
• Customer Service Management
• Recording/Organizing Information
• Adaptability
• Planning
• Research
Minimum Education/Experience Requirement:
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