Credit Officer II

Bank of America

Local markets Credit Officer II providing expert advisory guidance for commercial banking clients on integrated debt capital solutions. Managing credit exposure and monitoring portfolio performance in a structured environment.

Posted 7/10/2026full-timeHouston • Texas • 🇺🇸 United StatesSeniorLeadWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive experience in Commercial Banking Underwriting, financial analysis, and portfolio management, with a strong focus on credit structuring and compliance. Proven ability to communicate effectively across various levels and sectors while ensuring data accuracy and quality in underwriting metrics.

Highest-signal resume keywords

Commercial Banking UnderwritingFinancial AnalysisCredit StructuringPortfolio ManagementStrong Communication Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial AccountingFinancial ModelingLoan StructuringUnderwritingData AccuracyRisk ManagementLegal Documentation ReviewDeal ClosingCredit EvaluationAnalytical Skills

Soft Skills

CollaborationProactive Problem Solving

Industry Keywords

Credit FacilityClient ManagementOperating PerformanceFinancial ConditionPortfolio MonitoringSpecial Assets GroupMarket MeetingsCredit Delivery Best Practices

About the role

Key responsibilities & impact

Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facility
Collaborates with Client Management teams to perform analysis of credit opportunities and prospects at the bank
Manages client and prospect originations including initial credit structuring, underwriting, legal documentation review, and deal closing
Delivers on data accuracy and quality of underwriting metrics in compliance with internal policies and procedures
Monitors the client's operating performance and financial condition, proactively identifying issues and opportunities
Monitors assigned portfolios of client loan maturities and collaborates with Analysts to continuously recognize and address risks in a timely manner
Escalates and debates deteriorating assets in partnership with the Special Assets Group and Risk as appropriate
Participates in Regional and Market meetings to communicate credit delivery best practices and results

Requirements

What you’ll need

10+ years of solid Commercial Banking Underwriting 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

Benefits

Comp & perks

Competitive benefits to support physical, emotional, and financial well-being
Opportunities for professional development and career growth