Bank Of America Associate Credit Officer Enterprise 

Japan, Itabashi 

831176997

Job Description:

Job Description:

This job is responsible for analyzing and interpreting a client's credit worthiness, evaluating credit risks, and writing credit approval memos for annual renewals and new lending opportunities. Key responsibilities include analyzing qualitative and quantitative data such as client's financials, projections, industry data, covenant compliance, and collateral appraisals to ensure compliance with the bank's risk appetite. Job expectations include completing regular monitoring and underwriting tasks and supporting key internal stakeholders to achieve successful execution of new transactions.

Responsibilities:

• Analyzes client's financial performance by comparing it to past performance, projections, and industry standards
• Reviews financial statements, assesses the client's compliance with financial covenants, and renews risk ratings, while recommending changes as warranted
• Assists in the underwriting, credit risk analysis, negotiation, and closing of new transactions or existing transactions, while adhering to all relevant policies and procedures
• Prepare credit papers for new requests and ongoing portfolio monitoring purposes
• Perform ongoing monitoring of clients and information flow associated with the portfolio
• Identify and escalate emerging risks
• Understand and apply internal policy, procedures and regulatory requirements
• Review various legal documents for relevant credit products
• Evaluates transaction and relationship risk-adjusted profitability to facilitate the allocation of capital
• Builds projection models for the client (as needed) based on historical performance, industry forecasts, and other due diligence findings

Skills:

• Analytical Thinking
• Financial Analysis
• Financial Forecasting and Modeling
• Profitability Analysis
• Research Analysis
• Attention to Detail
• Business Acumen
• Credit Risk Assessment
• Written Communications
• Loan & Derivative Documentation
• Collaboration
• Critical Thinking
• Portfolio Analysis
• Prioritization
• Technical Documentation