Commercial Credit Officer

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Job Description:

The Commercial Credit Officer (CCO) 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 manages all of the ancillary credit exposure to clients. The CO maintains knowledge of other Bank of America 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. This role will specifically support activity for the Knoxville market, serving a broad ranges of clients with annual revenue ranging from $10 million to $2 billion.

Responsibilities:

Manages the credit process for a portfolio of clients

Negotiates credit documentation

Leads the credit and risk approval processes

Builds relationships with existing and prospective clients

Mentors and supports associates

Provides capital structure solutions

Skills:

Client Solutions Advisory

Financial Analysis

Loan Structuring

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

Required Qualifications:

10+ years of solid commercial banking experience

Experience in financial analysis, structuring, underwriting and portfolio management specifically in Middle Market/Business Banking

Analytical/technical skills, including financial accounting, modeling and loan structuring

Strong communication skills; ability to communicate vertically, horizontally, and externally

Negotiation and Critical Thinking skills

Minimum Education Requirement: BS/BA Degree Desired

Shift:1st shift (United States of America)

Hours Per Week: 40

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