Credit Officer II

About this role

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 Officer I/II – Middle Market Commercial Banking Bank of America’s Regional Middle Market Commercial Banking team is seeking a Credit Officer I/II to support a diverse portfolio of middle market clients across Florida.  Clients include both public and private companies across a broad range of industries, with annual revenues ranging from $50MM to $2BN+. The Credit Officer (CO) is an experienced professional responsible for delivering strategic, integrated debt capital solutions to commercial banking clients. The role encompasses structuring and advising on a wide range of credit products, including revolving credit facilities, term loans, and syndicated financings. The CO maintains primary responsibility for managing the Bank’s credit exposure to assigned clients, including loans, treasury, derivatives, and other capital markets products that carry credit exposure. Partnering closely with Relationship Managers (RMs), Treasury Solutions Officers (TSOs), and underwriting teams, the CO contributes to delivering comprehensive, client-centric financial solutions. This role reports to the Commercial Credit Manager and operates within a collaborative, team-oriented environment.

Key Responsibilities • Lead client and prospect engagement related to credit and debt capital solutions, supporting business development and revenue growth

• Serve as a trusted advisor to clients, providing strategic guidance on capital structure, liquidity, and financing alternatives

• Structure and recommend tailored credit solutions aligned with client needs and risk parameters

• Lead negotiations of loan terms, covenants, and documentation

• Own and actively manage portfolio asset quality, including risk identification and mitigation

• Partner with RMs, TSOs, and product specialists to deliver integrated banking solutions across the platform

• Act as a credit approver in coordination with Risk, ensuring adherence to credit policies and standards

• Provide mentorship, coaching, and oversight to junior underwriting and analyst team members

Core Skills & Competencies • Credit structuring, financial analysis and underwriting expertise

• Risk assessment

• Portfolio management

• Loan documentation and negotiation

• Strong decision-making and problem-solving capabilities

• Client relationship management and advisory skills

• Collaboration across product and coverage teams

• Leadership, coaching, and talent development

• Strong written and verbal communication skills

Required Qualifications • 10+ years of experience in commercial banking, including Middle Market, Leveraged Finance, Large Corporate, or similar business lines

• Strong technical skills, including financial statement analysis, underwriting, cash flow modeling, and credit structuring

• Ability to manage complex transactions and client relationships

• Excellent communication and interpersonal skills

Education: • Bachelor’s degree (BA/BS) preferred

Shift: 1st shift (United States of America)

Hours Per Week: 40

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