Commercial Credit Officer

Company: Disability Solutions
Location: Sacramento
Posted on: May 4, 2025

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. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being a diverse and inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!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 BofA 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. 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 solutionsSkills:
  • 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 FocusRequired Qualifications:
    • 10+ years of solid Commercial Banking 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 sectorsMinimum Education Requirement: BA/BS Degree DesiredShift:1st shift (United States of America)Hours Per Week: 40Pay Transparency detailsUS - CA - Sacramento - 555 Capitol Mall - SACRAMENTO MAIN OFFICE (CA3117)Pay and benefits informationPay range$109,100.00 - $200,000.00 annualized salary, offers to be determined based on experience, education and skill set.Discretionary incentive eligibleThis 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.BenefitsThis 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.

Keywords: Disability Solutions, Gilroy , Commercial Credit Officer, Other , Sacramento, California