Bank Of America Leasing Credit Officer 

Ireland, Dublin 

331074631

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:

• Responsible for the underwriting and credit structuring of facilities originated by the International Asset Finance & Global Corporate Aircraft Finance teams.
• This will include an evaluation, review and written analysis of all factors that affect an entity’s ability to repay and/or service their obligations on time; the identification and assessment of all strengths, weaknesses and risks (including credit risk, market risk, and operational risk) associated with the opportunity; as well as identifying and describing mitigating factors.
• Evaluates new end-user credit opportunities including identification and assessment of risks and identifies mitigating factors
• 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.
• 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

What we are looking for:

• Good credit analysis skills (cash flow modelling an advantage), and experience in the credit structuring of loan and lease transactions.
• Ability to analyze, interpret and negotiate third party legal documentation.
• Should be able to accomplish objectives in a specified timeframe.
• Intellectually curious, with good attention to detail.
• Bank of America:

We strive to ensure that our recruitment processes are accessible for all candidates and encourage any candidates to tell us about any adjustment requirements.