Leasing Credit Sr Officer/Leasing Credit Officer II Chicago, Illinois;Hunt Valley, Maryland; Providence, Rhode Island; Charlotte, North Carolina **Job Description:** **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. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day. One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We’re devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being. Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization. Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us! Responsible for delivery of integrated credit solutions to middle market or corporate clients. Partner closely with client-facing teammates in both the Global Corporate Bank and Global Commercial Bank to consult on sales opportunities and provide the product expertise and consultation necessary to deliver the best possible solution to the client. Responsible for helping clients achieve their overall strategy through the innovative use of various funding alternatives; possess and share with the client and other members of the client team expert knowledge of business finance and the products and services associated therewith. Interact regularly with clients in an effort to proactively understand their goals, their current performance, and their needs. The Leasing Credit Sr. Officer/Leasing Credit Officer II uses this client knowledge to assess the appropriateness of existing solutions and to propose optimal financing alternatives or additional financing solutions. Directly accountable for managing credit quality and the approval process through their interaction with Risk Management Officers and Senior Management. **Responsibilities:** + Evaluates new end-user credit opportunities including identification and assessment of risks and identifies mitigating factors + Partners with client-facing teammates to consult on sales opportunities and provide the product expertise and consultation necessary to deliver the best possible solution to the client + Underwrites new transactions, analyzes credit risk, negotiates and closes deals, while adhering to internal policy, procedures and regulatory requirements + Structures the terms of a lease/loan with respect to the various aspects that make up a lease/loan (e.g. pricing, rates, payment, term, collateral) + Manages the credit process for a portfolio of clients including reviewing financial statements, assessing the client's compliance with financial covenants, confirming the accuracy of risk ratings, and recommending changes as warranted **Required Qualifications:** + 7+ years experience in commercial banking related role for Leasing Credit Sr Officer, 5+ years experience in commercial banking related role for Leasing Credit Officer II + Must have proficientcredit and risk analysis skills + Must have strong presentation, structuring and financial statement analysis skills of complex transactions + Proficient Microsoft Office skills **Desired Qualifications:** + Undergraduate degree in finance or accounting; MBA preferred + Proven ability to analyze, interpret and negotiate third party documentation + Proven ability to identify trends and emerging risks in underwriting and client selection **Skills:** + Financial Analysis + Loan Structuring + Research Analysis + Risk Management + Underwriting + Account Management + Credit Documentation Requirements + Credit and Risk Assessment + Decision Making + Issue Management + Analytical Thinking + Coaching + Collaboration + Critical Thinking + Customer and Client Focus + Problem Solving + Organized, Multi-task + Teamwork **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 **Pay Transparency details** US - MD - Hunt Valley - 11333 MCCORMICK RD - HUNT VALLEY II (MD5032), US - RI - Providence - 1 Financial Plaza (RI1537) Pay and benefits information Pay range $81,900.00 - $200,000.00 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. 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 and affirmative action, 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. To view the "EEO is the Law" poster, CLICK HERE (https://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf) . To view the "EEO is the Law" Supplement, CLICK HERE (https://www.dol.gov/ofccp/regs/compliance/posters/pdf/OFCCP\_EEO\_Supplement\_Final\_JRF\_QA\_508c.pdf) . 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. To view Bank of America’s Drug-free Workplace and Alcohol Policy, CLICK HERE . 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. 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