Commercial Credit Officer - FinTech
Bank of America, Denver, CO, United States
Job Description
This job is responsible for managing a national portfolio of Global Commercial Banking (GCB) FinTech relationships, working directly with clients and prospects to provide financing solutions for multinational FinTech companies in the payments and financial software verticals. Key responsibilities include originating and structuring loans, negotiating terms and conditions, leading the credit process from pitch through underwriting, approval, booking and closing, with a focus on growing loans and credit revenue and managing asset quality. The Commercial Credit Officer (CO) is a highly skilled resource, providing expert advisory guidance for complex, integrated debt capital solutions for commercial banking clients. Products include lines of credit, term loans, and syndicated loans. The CO also manages ancillary credit exposure to clients and leverages other Bank of America products such as investment banking, treasury management and hedging solutions to deliver the best possible integrated strategic solution. FinTech is a fast‑paced work environment with a highly active portfolio and strong deal flow from large cap and middle market companies. Experience with FinTech companies is preferred.
Responsibilities
Manages the credit process for a portfolio of clients
Negotiates credit documentation and manages the legal documentation process
Leads the credit and risk approval processes
Builds relationships with existing and prospective clients
Mentors and supports associates
Provides capital structure solutions
Required 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
Strong FinTech industry knowledge
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
Minimum Education Requirement:
BA/BS Degree Desired
Shift:
1st shift (United States of America)
Hours Per Week:
40
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Responsibilities
Manages the credit process for a portfolio of clients
Negotiates credit documentation and manages the legal documentation process
Leads the credit and risk approval processes
Builds relationships with existing and prospective clients
Mentors and supports associates
Provides capital structure solutions
Required 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
Strong FinTech industry knowledge
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
Minimum Education Requirement:
BA/BS Degree Desired
Shift:
1st shift (United States of America)
Hours Per Week:
40
#J-18808-Ljbffr