Credit Officer

Credit Officer II Fort Lauderdale, Florida;West Palm Beach, Florida; Miami, Florida **To proceed with your application, you must be at least 18 years of age.** Acknowledge ( **Bank of America employees are required to meet all** **posting eligibility requirements** **prior to applying for any new position.** Acknowledge ( Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge ( **Bank of America employees are required to meet all** **posting eligibility requirements** **prior to applying for any new position.** Acknowledge ( **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 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 ( " poster. View the LA County Fair Chance Ordinance ( . 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. 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