Leasing Credit Officer II Chicago, Illinois;Providence, Rhode Island; Charlotte, North Carolina **Job Description:** 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 is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates’ physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! **Job Description:** Responsible for delivery of integrated credit solutions to middle market or corporate clients. Partner closely with client-facing teammates in both the Global Corporate Bank and Global Commercial Bankandprovide the product expertise and consultation necessary to deliver the best possible solution to the client. The position is responsible for the ongoing portfolio management and monitoring of Bank of America’s Global Leasing Corporate, Commercial, Middle Market, Business Banking, Healthcare, Leveraged Finance, and Global Corporate Aircraft portfolio. Management and monitoring responsibilities will include lending/leasing relationships with exposures up to $100MM+ that are assigned risk ratings the equivalent of regulatory Pass, Criticized, and Classified categories. High Net Worth Individual and international accounts may also be included. **Job Responsibilities:** + The Leasing Credit Officer II (“LCO”) will determine appropriate obligor and facility risk ratings through ongoing review of client financial statements, covenant compliance, monitoring of news articles and other early warning alerts, as well as through interaction with Risk Management Officers, Marketing Officers, SAG Officers, Legal, Equipment Management Officers and Credit Underwriting Officers. When a Bank relationship exists, the LCO is expected to interact effectively with Bank partners. When required, the LCO will contact the client directly. + The LCO will handle ad-hoc credit-related customer service request for clients, including negotiating waivers and amendments to existing leases or loans. + The LCO will be required to prepare annual status reviews, quarterly SER reports and other periodic credit reviews. Responsibilities may also include the training and mentoring of more junior associates, as well as ownership of various Leasing processes. + The LCO must simultaneously manage multiple account demands and priorities while maintaining organization and prioritizing work in order to adhere to deadlines and compliance with credit policy. + The LCO will identify, anticipate and proactively address potential credit problems early in the process. **Required Qualifications:** + 5+ years experience as a credit officer in the commercial banking, leasing, or finance industry + Proficient commercial credit or leasing underwriting or portfolio management experience + Proficient credit and secured equipment finance knowledge + Experience reviewing and negotiating legal documents. **Desired Qualifications:** + Prior Lease Finance Experience + Prior experience in High Net Worth Underwriting + Prior experience in Corporate Aircraft Finance + Proficient in Moody's CreditLens - Financial Statement Spreading + BA Degree in Finance, Accounting or related field **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 **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. To view the "Know your Rights" poster, CLICK HERE (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12.pdf) . View the LA County Fair Chance Ordinance (https://dcba.lacounty.gov/wp-content/uploads/2024/08/FCOE-Official-Notice-Eng-Final-8.30.2024.pdf) . Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy (“Policy”) establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. To view Bank of America’s Drug-free Workplace and Alcohol Policy, CLICK HERE . Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank’s required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.