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:
This job is responsible for the delivery of integrated credit solutions to clients as well as on-going portfolio management. Key responsibilities include underwriting and negotiating new transactions, partnering with client-facing teammates to consult on sales opportunities, and providing the product expertise to deliver effective client solutions. Job expectations include providing on-going monitoring of client portfolios, ensuring accurate and timely analysis of financial statements, assignment of risk ratings, and required client reviews.

The client team members are responsible for interacting with financing product specialists for Healthcare, Education & Not-For-Profit Finance.

 

Responsibilities:

Evaluates new end-user credit opportunities including identification and assessment of risks and identifies mitigating factorsPartners 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 clientUnderwrites new transactions, analyzes credit risk, negotiates and closes deals, while adhering to internal policy, procedures and regulatory requirementsStructures 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:

5+ years’ experience in commercial banking, leasing, insurance, finance or rating agency industries with significant credit experience in Healthcare, Education & Not-For-Profit2+ years’ experience with presentation, structuring and financial statement analysis Demonstrated ability to analyze, interpret and negotiate third party documentationExperience identifying trends and emerging risks in underwriting and client selectionProficient Microsoft Office skills

Desired Qualifications:

Experience in the analysis and structuring of complex transactionsUndergraduate degree in Finance or Accounting, MBA a plus

Skills:

Financial AnalysisLoan StructuringResearch AnalysisRisk ManagementUnderwritingAccount ManagementCredit Documentation RequirementsCredit and Risk AssessmentDecision MakingIssue ManagementAnalytical ThinkingCoachingCollaborationCritical ThinkingCustomer and Client Focus

Shift:

1st shift (United States of America)

Hours Per Week: 

40