Bank of America · 3 months ago
Credit Officer II - Asset Based Finance
Dallas
Full-time
Onsite
Senior Level
7+ years expBank of America is committed to helping make financial lives better through the power of connections. The Credit Officer II is responsible for managing and documenting credit risk for a portfolio of clients, including assessing credit profiles and structuring new financing solutions while leading and coaching team members.
Asset ManagementBankingFinanceFinancial ServicesFinTech
Responsibilities
Oversees and assesses the credit worthiness of borrowers based on due diligence findings, financial statement analysis, forecasting, analysis of company and industry risks, terms and conditions, and relationship profitability to provide high quality credit approval to Corporate Banking, Investment Banking, Global Markets, and Treasury
Exercises Delegated Approval Authority using sound judgment and expertise to make approval decisions for the business including new lending limits, structuring and negotiating deal terms, credit worthiness, annual reviews and renewals, risk ratings, and breach actions
Acts as a senior coverage team resource supporting ongoing credit matters and asset quality, maintaining adherence to the bank's risk appetite and risk strategies to mitigate losses while identifying opportunities to responsibly growing the loan portfolio
Leads new credit originations in coordination and collaboration with the coverage teams including Relationship Managers, Risk, Syndications, Treasury, and all other product partners
Negotiates and structures legal documentation related to loans and derivatives
Establishes appropriate internal risk ratings for clients and implements accurate adjustments throughout the client's credit life cycle
Trains, coaches, and mentors Credit Analysts and Associates
Qualification
Required
7+ years' of experience in asset based and/or commercial lending
Experience in monitoring the credit health of asset based or commercial lending clients
Strong knowledge and comprehension of loan and collateral documentation
Ability to accurately analyze borrower's financial picture and deliver a comprehensive risk analysis to manager and risk officers
Confidence and ability to develop an independent viewpoint and present a business case to support conclusions
Excellent relationship management skills, experience working in a team environment, ability to help influence constituencies with diverse views towards consensus
Coaching and mentoring skills
Strong Microsoft Office Skills
Preferred
Bachelor's Degree in Accounting and/or Finance
10+ years' of experience in asset based and/or commercial lending
Company
Bank of America
Bank of America is a financial institution that offers credit cards, home loans, and auto loan services.
10001+ employees
H1B Sponsorship
Bank of America has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (780)
2024 (546)
2023 (590)
2022 (759)
2021 (715)
2020 (931)
Funding
Current Stage
Public CompanyTotal Funding
$3.59BKey Investors
Berkshire Hathaway
2025-02-20Post Ipo Debt· $386.79M
2024-11-26Post Ipo Debt· $2B
2020-07-28Post Ipo Equity· $400M
Leadership Team
Charissa Messer
Senior Vice President, Creative Agency Executive (Enterprise Creative Solutions)
Rami Salem
SVP Strategic Competitive Intelligence
Recent News
2026-01-13
Company data provided by crunchbase