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Bank Of America Credit Sr Officer United States, Texas, Dallas 707232309
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.
The Senior Credit Officer will be responsible for managing a portfolio of corporate and commercial clients, which includes conducting financial analysis, tracking portfolio company performance, assessing ongoing creditworthiness and assisting in the origination, negotiation and structuring of senior bank debt and related credit products. The Senior Credit Officer will be expected to build extensive knowledge of each client drawing upon in-depth research and industry expertise. As a member of Enterprise Credit, you will work closely with professionals throughout Risk and Global Banking and Markets, particularly colleagues in Corporate Banking / Relationship Management, Trading (primarily FX and Interest Rate Swaps), Treasury Management and Syndications (investment grade and leveraged finance). Responsibilities also include qualitative and quantitative due diligence on industry and company factors. Additional responsibilities are as follows:
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
- This position may also have responsibilities for managing associates.
Required Qualifications:
9+ years Corporate credit experience
Strong understanding of accounting and corporate finance
Strong understanding of legal credit agreements
Strong knowledge of ancillary bank products (treasury, cash management, derivatives)
Strong business writing skills
Ability to coach junior teammates
Desired Qualifications:
Specific experience within Technology, Media, Telecom & Gaming industries a bonus
Bachelor’s Degree
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
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