Credit Officer II-Covered/Commercial Real Estate Banking

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.

Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive and flexible benefits.

We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve.

Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs.

At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!

• →Partners with relationship management and product partners to assess clients’ credit needs and create solutions
• →Leads loan structure conversations and negotiates loan documentation with clients and internal/external legal partners
• →Drives credit and risk approval processes for new credit originations, renewals, increases, and modifications
• →Leads ongoing monitoring efforts for a portfolio of clients in compliance with regulations, policy and procedure
• →Drives the growth of funded loans and revenue while mitigating risks, maintaining asset quality and adhering to regulatory requirements
• →Serves as an escalation point for complex credit transactions
• →Mentors and supports associates
• →Leads the deal team for new originations, modification and structuring of Bank debt and equity
• →Manages the underwriting of secured and unsecured transactions to Commercial Real Estate clients, including real estate secured construction and term debt, tax credit equity investments, unsecured corporate revolvers, bridge financing, commercial agency warehouse lines, and subscription lines
• →Oversees underwriting once a credit opportunity is mandated, including the requisite due diligence, preparation of the approval request documents, receipt of final loan approval on a timely basis, and resolution of any due diligence/underwriting challenges in the loan closing process
• →Leads new credit originations and structures loans in collaboration with the relationship coverage team, products partners, Risk, Syndications, and Treasury
• →Manages the end-to-end process for loan and equity originations, modifications and extensions on existing loans including structuring, due diligence, gaining approval, and closing
• →Engage legal counsel / oversee document review and closing process.
• →Assists and advises the Commercial Real Estate Banking portfolio monitoring and asset management groups on any post-closing actions, as needed

• Bachelor’s degree in finance or equivalent work experience
• Credit trained, financial modeling proficiency,
• Credit Center proficiency, understanding of compliance and tax requirements; real estate and contract negotiation experience.

• Business Acumen
• Coaching
• Decision Making
• Hiring and Onboarding
• Loan Structuring
• Collaboration
• Credit Documentation Requirements
• Oral Communications
• Risk Management
• Written Communications
• Change Management
• Executive Presence
• Organizational Effectiveness
• Underwriting