Credit Officer II - Energy

Back to search results Credit Officer II - Energy Houston, Texas Additional locations Apply × To proceed with your application, you must be at least 18 years of age. Acknowledge × Bank of America employees are required to meet all posting eligibility requirements prior to applying for any new position. Acknowledge Refer a friend Apply × To proceed with your application, you must be at least 18 years of age. Acknowledge × Bank of America employees are required to meet all posting eligibility requirements prior to applying for any new position. Acknowledge 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 and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates' physical, emotional, and financial wellness through affordable, competitive and flexible benefits.We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve.Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs.At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!Job Description:This job is responsible for managing clients and related credit products, partnering closely with relationship management, sales/trading, treasury management, operations and risk teams to support the client relationship. Key responsibilities include underwriting, monitoring, managing operational needs and/or client requests.Job expectations include credit-focused client management responsibilities, independent thought leadership, strong leadership skills, the ability to provide feedback to less experienced teammates and may also manage a team. Responsibilities will also include supporting commercial and large corporate client relationships within the Energy industry.Responsibilities:Partners with relationship management and product partners to assess clients' credit needs and create solutionsLeads loan structure conversations and negotiates loan documentation with clients and internal/external legal partnersDrives credit and risk approval processes for new credit originations, renewals, increases, and modificationsLeads ongoing monitoring efforts for a portfolio of clients in compliance with regulations, policy and procedureDrives the growth of funded loans and revenue while mitigating risks, maintaining asset quality and adhering to regulatory requirementsServes as an escalation point for complex credit transactionsMentors and supports associatesNegotiates credit and trading documentation, including loan credit agreements and amendments, ISDAs, and CSAsEstablish appropriate internal risk ratings for clients and implement accurate adjustments throughout the client's credit lifecycle.Develop, maintain, and manage internal relationships with various business partners, including those in Corporate and Investment Banking, Sales & Trading, Risk Management, Syndications, and LegalRequired Qualifications:10+ years of progressively responsible experience in the job offered, or a related Finance occupationStrong preference for individuals with relevant experience within the Energy industryCredit Officer evaluates large and sophisticated credit exposures across oil & gas, midstream, refining and marketing, oilfield services, and power & utilities sectorsAssist in the management of criticized and classified assets by providing analysis and formal credit recommendations.Partners with Relationship Managers, and Risk partners to facilitate timely credit decisionsEnsure compliance with lending policies, credit procedures, and regulatory expectationsStrong understanding of energy market dynamics and Energy industry-specific risk factors, financial statement analysis, cash flow analysis, and commercial credit, credit structures, cash management and traded productsExcellent analytical, decision-making, and problem-solving skills.Strong written, verbal, and presentation skills.Proficiency in Microsoft Office applications, particularly Word, Excel and PowerPoint.Desired Qualifications:Bachelor's degree or equivalent in Business Administration, Finance, Economics, Accounting, or related experienceStrong ability to assess credit risk, evaluate complex lending structures, and recommend appropriate terms, covenants, and collateral requirements.Expertise in analyzing financial statements, cash flow projections, leverage, liquidity, repayment capacity, and overall borrower creditworthiness.Knowledge of energy transition trends , and evolving regulatory requirements.Skills:Business AcumenCoachingDecision MakingHiring and OnboardingLoan StructuringCollaborationCredit Documentation RequirementsOral CommunicationsRisk ManagementWritten CommunicationsChange ManagementClient Solutions AdvisoryExecutive PresenceOrganizational EffectivenessUnderwritingShift:1st shift (United States of America)Hours Per Week: 40 Learn more about this role Apply × To proceed with your application, you must be at least 18 years of age. Acknowledge × Bank of America employees are required to meet all posting eligibility requirements prior to applying for any new position. Acknowledge Refer a friend Apply × To proceed with your application, you must be at least 18 years of age. Acknowledge × Bank of America employees are required to meet all posting eligibility requirements prior to applying for any new position. Acknowledge Full time JR-26028240 Manages People: No Travel: Yes, 5% of the time Age requirement: Must at least be 18 years of age. Share: Save job Job saved