Bank of America
Credit Officer II - Energy
Houston · Mid
Sponsorship not specifiedDetected 70 days ago
AccountingExcelLeadershipCommunicationCollaborationProblem SolvingMentoringMicrosoft OfficeUnderwriting
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odds of building a lasting career here
38Risky
Cap-exempt (no lottery)0
Sponsors this role85
Entry-level history0
PERM / green-card track0
Lottery odds40
Fits your clock70
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About the role
- 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.
- 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.
Responsibilities
- Partners with relationship management and product partners to assess clients' credit needs and create solutions
- Leads loan structure conversations and negotiates loan documentation with clients and internal/external legal partners
- Drives credit and risk approval processes for new credit originations, renewals, increases, and modifications
- Leads ongoing monitoring efforts for a portfolio of clients in compliance with regulations, policy and procedure
- Drives the growth of funded loans and revenue while mitigating risks, maintaining asset quality and adhering to regulatory requirements
- Mentors and supports associates
- Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the client's credit lifecycle.
- Develop, maintain, and manage internal relationships with various business partners, including those in Corporate and Investment Banking, Sales & Trading, Risk Management, Syndications, and Legal
- 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.
Requirements
- 10+ years of progressively responsible experience in the job offered, or a related Finance occupation
- Strong understanding of energy market dynamics and Energy industry-specific risk factors, financial statement analysis, cash flow analysis, and commercial credit, credit structures, cash management and traded products
- Proficiency in Microsoft Office applications, particularly Word, Excel and PowerPoint.
- Bachelor's degree or equivalent in Business Administration, Finance, Economics, Accounting, or related experience
- Strong ability to assess credit risk, evaluate complex lending structures, and recommend appropriate terms, covenants, and collateral requirements.
- Expertise in analyzing financial statements, cash flow projections, leverage, liquidity, repayment capacity, and overall borrower creditworthiness.
- Knowledge of energy transition trends, and evolving regulatory requirements.
Skills
- Business Acumen
- Coaching
- Decision Making
- Hiring and Onboarding
- Loan Structuring
- Collaboration
- Credit Documentation Requirements
- Oral Communications
- Risk Management
- Written Communications
- Change Management
- Client Solutions Advisory
Company info
- 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.
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This listing is sourced directly from Bank of America's careers page and normalized into a canonical job model.