Credit Officer II presso Bank of America

Credit Officer II

Calgary, Canada;Vancouver, Canada

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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 Enterprise Credit group is seeking a Credit Officer to join our Canada team and be based in Calgary or Vancouver.

Assigned as a market or industry level resource, the Credit Officer (CO) is a highly skilled resource, providing expert level advisory guidance in the most complex, integrated credit capital solutions.

This role serves as Line/Credit approver in conjunction with Risk management based on credit approval grid and drives the internal credit approval process, loan documentation and closing. This role reports to the Commercial Credit Manager (CCM) and will be aligned to 1-3 Credit Underwriters (CU), for whom they will serv as a mentor/coach.

Responsibilities

• Provide expert level guidance and advice to assigned prospects and clients on credit products and capital structure in collaboration with subject matter experts in various different groups including Relationship Management, Investment Banking, Leveraged Finance, etc.

• Underwriting and structuring of complex credit transactions with minimal oversight

• Delivering financial, industry, economic and other analysis to facilitate decision making, while also ensuring adherence to credit policies, guidelines, and applicable regulatory requirements

• Involvement with monitoring activities/approvals

• Maintaining knowledge of other BofA products including Investment Banking and Treasury Management that have credit exposure, and leveraging product expertise to deliver the best possible and optimally integrated strategic solution for the client or prospect

• Responsible for reviewing & negotiating loan documentation

• Balancing analysis of clients and prospects and their industries, design and execution of credit solutions, and the active management of asset quality

• Client facing, the CO collaborates with the Client Manager (CM), Treasury Solutions Officer (TSO), and other product partners, when needed, to assess client needs, design integrated solutions and deliver the bank to clients and prospects

Qualifications

• BS/BA degree

• Post graduate degree preferred (CPA, CFA, MBA, etc.)

• 12+ years of solid experience in financial analysis, structuring, underwriting and portfolio management.

• Strong communication and analytical/technical skills, including financial accounting, modeling and loan structuring

• Responsible for reviewing & negotiating loan documentation

• Candidates must have National Accounts Commercial Banking or Corporate Banking credit experience

• Excellent organization skills and ability to prioritize workload from diverse sources

• Able to manage multiple projects simultaneously while meeting associated deadlines

• Ability to clearly and convincingly articulate complex ideas and concepts

• Ability to learn and adapt in a fast-paced, changing environment

• Proficiency in MS PowerPoint, MS Excel and MS Word with experience in presentations writing and client analysis

What Bank of America Offers

Bank of America embodies a culture that extends from how we think, to how we behave, and to how we measure performance. By achieving excellence - in everything we do, every time we do it - we deliver the full value of Bank of America for our clients, our shareholders and our employees.

Bank of America places a high value on talent and on maintaining a culture defined by meritocracy. For these reasons, it is deeply committed to professional development, opportunity and accountability at all levels of the organization.

Bank of America is an Equal Opportunity Employer

Bank of America encourages applications from all qualified individuals. Applicants with disabilities may notify us of any accommodations needed to support your participation in the recruitment process. We wish to thank all applicants for their interest and effort in applying. Please be aware that only candidates selected for interviews will be contacted for this position.

Shift:

Hours Per Week:

37.5

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.

View your "Know your Rights (https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12.pdf) " poster.

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.

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.