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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
