Credit Officer II

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