This job is responsible for managing clients and related credit products, partnering closely with relationship management, sales/trading, treasury management, operations and risk teams to support the client relationship. Key responsibilities include underwriting, monitoring, managing operational needs and/or client requests. Job expectations include credit-focused client management responsibilities, independent thought leadership, robust leadership skills, the ability to provide feedback to less experienced teammates and may also manage a team.

Credit Officer II Overview

Bank of America’s Healthcare Education and Not For Profit (HENFP) banking group is seeking a Credit Office II. HENFP is part of the Commercial Bank and supports the financial needs of a variety of 501c3 not for profit clients including healthcare, private universities, colleges and K‑12 schools, cultural, professional and social service organizations.

The Credit Officer II (CO II) is a highly skilled resource, providing expert level advisory guidance in the most complex, integrated debt capital solutions for commercial banking clients. Products include lines of credit, term loans, real estate loans, and syndicated loans. The CO II manages all of the ancillary credit exposure to clients.

The CO II maintains knowledge of other BofA products including Investment Banking and Treasury Management that have credit exposure, and leverages product expertise to deliver the best possible and optimally integrated strategic solution for the client or prospect. This role reports to the Commercial Credit Manager or Executive and will be aligned to an Underwriting Team that supports the market.

Responsibilities

- Provides capital structure solutions
- Builds relationships with existing and prospective clients




- Manages the credit process for a portfolio of clients
- Negotiates credit documentation
- Leads the credit and risk approval processes
- Mentors and supports associates

Skills

- Client Solutions Advisory
- Customer and Client Focus
- Capital Structure Consultant
- Account Management
- Financial Analysis
- Loan Structuring
- Risk Management
- Underwriting
- Credit Documentation Requirements
- Credit and Risk Assessment
- Decision Making
- Issue Management
- Analytical Thinking
- Coaching
- Collaboration
- Critical Thinking

Required Qualifications

- 10+ 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

BA/BS Degree Desired.

Shift

1st shift (United States of America)

Hours Per Week

40

Pay Range

$125,000.00 - $225,000.00 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.

📌 Commercial Credit Officer II- Healthcare, Education, and Not for Profit (Melville)
🏢 Bank of America
📍 Melville