Business Banking Credit Portfolio Officer II / III

Résumé du poste

The role involves supporting credit underwriting and monitoring for new and existing clients by analyzing financial information and evaluating risks. Responsibilities include preparing credit analysis to determine creditworthiness and ensuring compliance with bank policies and regulatory requirements.

Détails du poste

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 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! Job Description: The Business Banking Credit Portfolio Officer role is responsible for supporting credit underwriting and monitoring for new and existing clients. Key responsibilities include completing credit analysis, evaluating risks, and writing financial analysis using various tools and systems. Job expectations include analyzing financials, projections, industry data, covenant compliance, collateral, and policy requirements to ensure alignment with the bank’s risk appetite. This role reports to the Commercial Credit Manager that supports the market. Responsibilities: Analysis of client financial information, identification/mitigation of potential risks, compliance with regulatory requirements and evaluation of collateral in determination of credit worthiness Complete monitoring activities via analysis of clients’ financial performance and collateral evaluation to ensure appropriate requirements are met Listen in to client meetings to develop a deeper understanding of the client's business, management team, and past and future performance Review completed client requests to ensure compliance with policy and procedures Understand how credit data is used internally and provided to regulatory partners Assist with periodic portfolio reviews Supports the credit monitoring process for existing clients. Prepares credit analysis to facilitate the decisioning of a client's credit worthiness. Skills: Relationship Building Financial Analysis Credit Documentation Underwriting Analytical Thinking Loan Structuring Active Listening Attention to Detail Collaboration Written Communication Issue Management Organization Data and Trend Analysis Research Required Qualifications: 2+ years of solid Commercial Banking experience Experience in financial analysis, structuring, underwriting and portfolio management Analytical/technical skills, including financial accounting, modeling and loan structuring Strong communication skills; ability to communicate vertically, horizontally, and externally Industry knowledge across multiple sectors Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent Shift: 1st shift (United States of America) Hours Per Week: 40 Pay Transparency details US - CA - Los Angeles - 333 S HOPE ST - BANK OF AMERICA PLAZA (CA9193), US - CA - Modesto - 801 10TH ST - CITY TOWERS (CA2803), US - CA - Ontario - 901 Via Piemonte (CA6540), US - CA - San Francisco - 555 California St - Bofa Center - 555 California (CA5705), US - IL - Chicago - 110 N Wacker Dr - Bank Of America Tower Chicago (IL4110) Pay and benefits information Pay range $70,000.00 - $95,800.00 annualized salary, offers to be determined based on experience, education and skill set. Discretionary incentive eligible This role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company. Benefits This role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.

Ce que vous ferez

The role involves supporting credit underwriting and monitoring for new and existing clients by analyzing financial information and evaluating risks. Responsibilities include preparing credit analysis to determine creditworthiness and ensuring compliance with bank policies and regulatory requirements.

Exigences

Candidates must have at least 2 years of commercial banking experience with a strong background in financial analysis, underwriting, and portfolio management. A high school diploma or GED is the minimum education requirement, alongside strong technical and communication skills.

Avantages

• Paid time off • Discretionary incentive • Financial wellness support • Physical wellness support • Emotional wellness support

Compétences indiquées

• Souci du détail · Souhaitée
• Analyse de données · Souhaitée
• Analyse financière · Souhaitée

Autres compétences pertinentes

Relevées dans la description du poste. Confirmez les exigences importantes ci-dessus.

• Financial Analysis
• Credit Underwriting
• Portfolio Management
• Loan Structuring
• Risk Identification
• Financial Accounting
• Data Analysis
• Trend Analysis
• Relationship Building
• Credit Documentation
• Analytical Thinking
• Active Listening
• Attention To Detail
• Collaboration
• Written Communication
• Issue Management
• Workplace Inclusivity
• Portfolio Analysis
• Time Off Management
• Resilience
• Research
• Underwriting
• Commercial Banking
• Management
• Communication
• Credit Analysis
• Credit Management
• Leadership
• Innovation
• Performance Review
• Regulatory Requirements
• Risk Appetite
• Writing
• Mitigation
• Detail Oriented

Domaines d’emploi

• Finance & Accounting
• Management & Leadership
• Business Banking Portfolio Manager
• Business / Management Consultant
• Management and Organization Analysts
• Management Analysts