Bank Of America Commercial Credit Lending Officer - Charlotte NC 

United States, North Carolina, Charlotte 

462190926

Job Description:

Job Description:
This job is responsible for leading the commercial credit process within the Enterprise Credit organization for select Business Banking and Middle Market clients and prospects. Key responsibilities include collaborating directly with the Client Management teams and internal partners to drive an efficient credit delivery experience. Job expectations include obtaining lending authority to utilize through the underwriting and approval process.

Position can be filled as a Lending Officer I or II

Responsibilities:

• Collaborates with Client Management teams to perform analysis of credit opportunities and prospects at the bank
• Manages client and prospect originations including initial credit structuring, underwriting, legal documentation review, and deal closing
• Delivers on data accuracy and quality of underwriting metrics in compliance with internal policies and procedures
• Monitors assigned portfolios of client loan maturities and collaborates with Analysts to continuously recognize and address risks in a timely manner
• Escalates and debates deteriorating assets in partnership with the Special Assets Group and Risk as appropriate
• Participates in Regional and Market meetings to communicate credit delivery best practices and results

Required Skills:

• 2 + years Commercial credit experience
• Client-facing experience-ability to consult & navigate client requests
• Strong analytical skills and attention to detail
• Effective communicator in both written and oral presentations
• Ability to effectively partner with peers and other business units across the enterprise
• Demonstrate sense of urgency with decision making and execution
• Self-starter and ability to work independently
• Must have proficiency with Microsoft office (Excel, PowerPoint, Word etc.)

Desired Skills:

• BA/BS degree in Finance, Accounting or Economics majors preferred
• Prior commercial loan underwriting experience

Skills:

• Loan Structuring
• Underwriting
• Collaboration
• Decision Making
• Written Communications
• Interpret Relevant Laws, Rules, and Regulations
• Credit Documentation Requirements
• Active Listening
• Analytical Thinking
• Attention to Detail
• Issue Management
• Risk Management
• Negotiation
• Oral Communications

High School Diploma / GED / Secondary School or equivalent

1st shift (United States of America)