Bank Of America Leasing Credit Sr Officer 

United States, Illinois, Chicago 

728852119

Job Description:

Job Description:

Responsible for helping clients achieve their overall strategy through the innovative use of various funding alternatives; possess and share with the client and other members of the client team expert knowledge of business finance and the products and services associated therewith. Interact regularly with clients in an effort to proactively understand their goals, their current performance, and their needs. The Leasing Credit Sr. Officer uses this client knowledge to assess the appropriateness of existing solutions and to propose optimal financing alternatives or additional financing solutions. Directly accountable for managing credit quality and the approval process through their interaction with Risk Management Officers and Senior Management.

Job 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:

7+ years experience in commercial banking related role.

Must have proficientcredit and risk analysis skills.

Must have proficient presentation, structuring and financial statement analysis skills.

Proficient Microsoft Office skills.

Skills:

• Financial Analysis
• Loan Structuring
• Research Analysis
• Risk Management
• Underwriting
• Coaching
• Credit Documentation Requirements
• Credit and Risk Assessment
• Decision Making
• Issue Management
• Account Management
• Analytical Thinking
• Collaboration
• Critical Thinking
• Customer and Client Focus

Bachelors degree in finance, accounting or related field

1st shift (United States of America)