Okay, I've searched for Senior Asset Based Credit Officer roles in Tampa, FL, specifically in commercial banking, requiring 5+ years of experience, in full-time positions, and emphasizing client management skills. I have found 72 positions for you.

Sure. Here's the analysis:

Job Analysis:

The Senior Asset Based Credit Officer at Bank of America is fundamentally tasked with managing a diverse portfolio of asset-based lending clients while delivering tailored credit solutions and effectively managing risk. A key responsibility involves analyzing client trends to identify growth opportunities in funded loans and credit revenue, which indicates a strong reliance on analytical and strategic thinking skills. Given the complex nature of this role, it requires a comprehensive understanding of financial performance and collateral trends, alongside the necessity to navigate legal and documentation processes. Candidates should expect to face challenges in managing both performing credits and more distressed accounts, necessitating skills in problem-solving and decision-making. Success in this role looks like not only effectively managing client relationships but also being proactive in recognizing and capitalizing on credit opportunities while ensuring compliance with regulatory requirements and internal policies. The expectation is to operate autonomously with minimal oversight, displaying strong leadership and mentoring abilities towards junior associates in financial analysis and preparing solid credit proposals and documentation.

Company Analysis:

Bank of America operates as one of the largest financial institutions globally, positioned as a leader in the banking and financial services market. The company’s dedication to 'Responsible Growth' reflects a commitment to both performance and ethical business practices, emphasizing a balance between profitability and community impact. Given the scale of the institution, the role of the Senior Asset Based Credit Officer is critical in aligning bank lending strategies with broader corporate goals, such as enhancing operational efficiencies and client satisfaction. The company culture appears supportive and inclusive, offering growth opportunities while fostering well-being among employees, suggesting a collaborative environment. In terms of organizational structure, this role likely sits within a cross-functional team that includes risk management and legal advisors, indicating a high level of visibility and collaboration with senior management. The position also necessitates active client engagement, which highlights its strategic alignment as a role meant to drive growth, stability, and positive client relationships in a competitive marketplace.

Absolutely. Here are some mock interview questions that could come up:

• Describe a time when you identified a credit opportunity that others overlooked. What steps did you take to highlight this to your team?
• Can you give an example of how you managed a distressed account through a restructuring process? What were the outcomes?
• Tell me about a time you had to negotiate terms with a client. What challenges did you face, and how did you resolve them?
• How do you prioritize and manage competing deadlines when handling multiple clients' needs?
• How would you approach analyzing a client's financial performance to determine their borrowing capacity?
• What specific methodologies do you employ to conduct financial and collateral analysis for asset-based lending?
• Describe how you would draft a credit approval proposal for a complex loan request.
• Imagine you are facing a situation where a key client is considering a significant loan modification. How would you handle the discussion and the negotiation process?
• Why do you think a strong understanding of legal documentation is crucial in this role?
• What interests you about working at Bank of America, and how do you see yourself contributing to our goals of Responsible Growth?
• How do you believe your values align with the culture at Bank of America, especially regarding community impact and team well-being?
• What questions do you have about the structure of the team this role is part of?
• Can you tell me more about the level of autonomy you expect in this role, especially in client engagement?
• What opportunities for professional development would you like to pursue if you were to join Bank of America?