Credit Officer II-Covered/Commercial Real Estate Banking Washington, District of Columbia;Fort Lauderdale, Florida; Charlotte, North Carolina

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• prior to applying for any new position.
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• 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. This job is responsible for serving as the primary credit relationship contact and maintaining ongoing relationships with credit clients. Key responsibilities include working with clients to design and execute credit solutions, leading new credit originations in collaboration with client management, credit risk, and syndications, and advising the Commercial Real Estate Banking portfolio management and asset management groups on any post-closing credit actions as needed. Job expectations may include driving operational excellence and influencing leaders, peers, and clients. CDB Credit Officers are responsible for the structuring of project finance transactions that include both tax credit equity and construction debt and bridge loans for the development of affordable housing. This role is a primary contributor to the Bank's commitment to support low to moderate income individuals and communities in a profit with purpose model. The CO is typically an individual contributor who reports to the Senior Credit Manager. The CO holds credit approval authority. The CO maintains knowledge of other BofA products including Investment Banking and Treasury Management and leverages product expertise to deliver the best possible and optimally integrated strategic solution for the client or prospect.

• Responsibilities:

• + Partners with relationship management and product partners to assess clients' credit needs and create solutions + Leads loan structure conversations and negotiates loan documentation with clients and internal/external legal partners + Drives credit and risk approval processes for new credit originations, renewals, increases, and modifications + Leads ongoing monitoring efforts for a portfolio of clients in compliance with regulations, policy and procedure + Drives the growth of funded loans and revenue while mitigating risks, maintaining asset quality and adhering to regulatory requirements + Serves as an escalation point for complex credit transactions + Mentors and supports associates + Leads the deal team for new originations, modification and structuring of Bank debt and equity + Manages the underwriting of secured and unsecured transactions to Commercial Real Estate clients, including real estate secured construction and term debt, tax credit equity investments, unsecured corporate revolvers, bridge financing, commercial agency warehouse lines, and subscription lines + Oversees underwriting once a credit opportunity is mandated, including the requisite due diligence, preparation of the approval request documents, receipt of final loan approval on a timely basis, and resolution of any due diligence/underwriting challenges in the loan closing process + Leads new credit originations and structures loans in collaboration with the relationship coverage team, products partners, Risk, Syndications, and Treasury + Manages the end-to-end process for loan and equity originations, modifications and extensions on existing loans including structuring, due diligence, gaining approval, and closing + Engage legal counsel / oversee document review and closing process.

+ Assists and advises the Commercial Real Estate Banking portfolio monitoring and asset management groups on any post-closing actions, as needed

• Required Qualifications
• : + 5+ years in a tax credit lending and investing related field, as well as demonstrated financial analysis experience + Solid experience in financial analysis, structuring, underwriting and portfolio management, strong communication and analytical/technical skills, including financial accounting, modeling and loan structuring and documentation + Familiarity with core banking products.

+ Understanding of the regulations that govern Banking and CRE lending. + Maintains knowledge of other banking products including Investment Banking, Interest Rate Hedging, and Treasury Management that have credit exposure, and leverages product expertise to deliver the best possible and optimally integrated strategic solution for the client or prospect. + Requires expertise in the origination of tax credit equity investments as well as debt. Knowledge of tax program requirements, financial concepts and commercial real estate required.

• Desired Qualifications:

• + Bachelor's degree in finance or equivalent work experience + Credit trained, financial modeling proficiency, + Credit Center proficiency, understanding of compliance and tax requirements; real estate and contract negotiation experience.

• Skills:

• + Business Acumen + Coaching + Decision Making + Hiring and Onboarding + Loan Structuring + Collaboration + Credit Documentation Requirements + Oral Communications + Risk Management + Written Communications + Change Management + Executive Presence + Organizational Effectiveness + Underwriting

• Minimum Education Requirement:

• High School Diploma / GED / Secondary School or equivalent

• Shift:

• 1st shift (United States of America)

• Hours Per Week:

• 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws.

The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. View your "Know your Rights (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12.pdf) " poster. View the LA County Fair Chance Ordinance (https://dcba.lacounty.gov/wp-content/uploads/2024/08/FCOE-Official-Notice-Eng-Final-8.30.2024.pdf) . Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason. Investment products offered through MLPF&S and insurance and annuity products offered through

MLLA:

• Are Not FDIC Insured
• Are Not Bank Guaranteed
• May Lose Value
• Are Not Deposits
• Are Not Insured by Any Federal Government Agency
• Are not a condition to Any Banking Service or Activity
• Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S" or "Merrill") makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation ("BofA Corp."). MLPF&S is a registered broker-dealer, registered investment adviser,
• Member SIPC
• and a wholly owned subsidiary of BofA Corp.

Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation. Trust, fiduciary and investment management services are provided by Bank of America, N.A., Member FDIC and wholly owned subsidiary of Bank of America Corporation ("BofA Corp."). Bank of America Private Bank is a division of Bank of America, N.A. Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. © 2026 Bank of America Corporation. All rights reserved.