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:

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 Korea portfolio consists of large multinational companies in sectors such as Autos, Semi-conductors, Steel, Chemical, EV, Oil & Gas, Machinery, Retail, Food product in addition to Financial Institutions and government. 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:

• 3-7 years of experience in Corporate or Investment Bank with credit research function, preferably in multi-national bank or large financial institution 
• Strong knowledge of Korea market and credit products including loans, derivatives, trade finance, cash management and treasury products
• Sound commercial judgment and strong business acumen
• Proactive - takes initiatives and demonstrates ownership
• Capability to build relationship both within the bank and with clients
• Ability to work under pressure to tight deadlines and to plan and prioritize appropriately
• Strong written and verbal communication skills in both English and Korean
• Pro-active approach, problem solving skills, and be results oriented
• Tertiary education in related subjects, i.e. Economics/Finance/Engineering