Associate, Global Corporate

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

**Our Line of Business**:
Enterprise Credit (EC) is a front-line function and part of the Global Banking and Markets organization at Bank of America. The EC team is responsible for underwriting credit solutions for large corporate and financial institutions clients. As a core member of the client team, EC partners with relationship and product teams including Corporate Banking, Investment Banking, Syndicated Finance, Global Treasury Services and Global Markets to drive revenue growth and manage risk in our credit portfolio.

Credit Officers manage a portfolio of large corporate and financial institutions clients and are responsible for structuring, underwriting, negotiating, and monitoring financing solutions for their clients associated with syndicated loans, bridge financings, hedging, leasing, and treasury management products. The GCIB Australia portfolio consists of large multinational companies in sectors such as Airlines, Building Products, Construction & Engineering, Commercial Services, Energy, Healthcare, Infrastructure, Real Estate and Transportation in addition to Financial Institutions and select Private Equity investments. Credits in the portfolio are principally underwritten on a cash flow basis with a mix of investment grade and non-investment grade transactions. Responsibilities include but are not limited to:

- Structuring, underwriting, negotiating, documenting, and managing credit risk associated with all banking products for a designated client portfolio.
- Identifying opportunities to responsibly grow the loan portfolio.
- Mitigating losses in deteriorating credits through amendments and restructurings
- Leading internal discussions and completing credit approval memorandums that summarize the merits and risks of a transaction based on due diligence findings, financial statement analysis, financial forecasting, assessments of terms and conditions, analysis of company and industry risks, and relationship profitability.
- Negotiating legal documentation related to loans and derivatives.
- Interfacing with internal control partners and external regulators
- Training and mentoring Credit Analysts and Associates

**Required Skills**:

- 7 years’ experience in commercial and / or corporate lending environment, with understanding of loans, trading & treasury products
- Strong credit risk analysis and conclusion-oriented analytical skills with ability to manage complex transactions.
- Must be able to independently lead diligence efforts, make approval recommendations, negotiate loan documentation, and execute timely closings.
- Able to soundly manage the portfolio and justify rationale for recommended transactions.
- Strong organizational, oral, and written communication skills, with ability to communicate effectively with all levels of risk, support, and business partners.
- Ability to manage multiple priorities - must be a team player.