Leasing Credit Officer
2 months ago
Job Title:
Leasing Credit Officer
Corporate Title: VP
Location:
London/Dublin
Company Overview:
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day.
One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We're devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being.
Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization.
Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us
The Team
Our EMEA Credit team comprises 5 credit officers (and 2 credit support officers) located in our London and Dublin offices. In addition to working/interacting with clients, Credit Officers also work closely with a variety of internal stakeholders.
Role Description:
This job is responsible for the delivery of integrated credit solutions to clients as well as on-going portfolio management. Key responsibilities include underwriting and negotiating new transactions, partnering with client-facing teammates to consult on sales opportunities, and providing the product expertise to deliver effective client solutions. Job expectations include providing on-going monitoring of client portfolios, ensuring accurate and timely analysis of financial statements, assignment of risk ratings, and required client reviews.
Responsibilities:
- Responsible for the underwriting and credit structuring of facilities originated by the International Asset Finance & Global Corporate Aircraft Finance teams.
- This will include an evaluation, review and written analysis of all factors that affect an entity's ability to repay and/or service their obligations on time; the identification and assessment of all strengths, weaknesses and risks (including credit risk, market risk, and operational risk) associated with the opportunity; as well as identifying and describing mitigating factors.
- Evaluates new end-user credit opportunities including identification and assessment of risks and identifies mitigating factors
- Underwrites new transactions, analyzes credit risk, negotiates and closes deals, while adhering to internal policy, procedures and regulatory requirements
- Structures the terms of a lease/loan with respect to the various aspects that make up a lease/loan.
- Manages the credit process for a portfolio of clients including reviewing financial statements, assessing the client's compliance with financial covenants, confirming the accuracy of risk ratings, and recommending changes as warranted
What we are looking for:- Good credit analysis skills (cash flow modelling an advantage), and experience in the credit structuring of loan and lease transactions.
- Ability to analyze, interpret and negotiate third party legal documentation.
- Should be able to accomplish objectives in a specified timeframe.
- Intellectually curious, with good attention to detail.
- Bank of America:
Good conduct and sound judgment is crucial to our long term success. It's important that all employees in the organisation understand the expected standards of conduct and how we manage conduct risk. Individual accountability and an ownership mind-set are the cornerstones of our Code of Conduct and are at the heart of managing risk well.
We are an equal opportunities employer and ensure that no applicant is subject to less favourable treatment on the grounds of gender/sex, gender identity or gender reassignment, marital or civil partner status, race, religion or belief, colour, nationality, ethnic or national origins, membership of the Traveller community, age, sexual orientation, pregnancy or maternity, civil status, socio-economic background, responsibility for dependants, family status or physical or mental disability. The Bank selects candidates for interview based on their skills, qualifications and experience.
We strive to ensure that our recruitment processes are accessible for all candidates and encourage any candidates to tell us about any adjustment requirements.
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