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:
40Skills Required
- 10+ years of experience in commercial banking (Middle Market, Leveraged Finance, Large Corporate, or similar)
- Financial statement analysis, underwriting, cash flow modeling, and credit structuring
- Ability to manage complex transactions and client relationships
- Experience negotiating loan terms, covenants, and documentation
- Portfolio management and risk identification/mitigation experience
- Leadership, mentorship, coaching, and talent development experience
- Excellent written and verbal communication and interpersonal skills
- Bachelor's degree (BA/BS)
Bank of America Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Bank of America and has not been reviewed or approved by Bank of America.
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Fair & Transparent Compensation — Pay practices are framed as structured and backed by regular pay-equity analysis, which creates a sense of consistency even when higher pay is desired.
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Pay Growth & Progression — A high U.S. hourly pay floor of $25/hour is positioned as a meaningful baseline for frontline and support roles, improving perceived competitiveness at the lower end.
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Parental & Family Support — Parental leave, family-planning reimbursement, backup care, and “Life Event Services” are presented as substantial supports that strengthen the overall rewards package.
Bank of America Insights
What We Do
We make financial lives better for our clients and our communities through the power of every connection. Our employees are at the heart of this purpose, and are key to driving responsible growth. Every day, across the globe, our employees bring a commitment to our purpose and to driving responsible growth by living our values: deliver together, act responsibly, realize the power of our people and trust the team. A key aspect of driving responsible growth is doing so in a sustainable manner, a critical pillar of which is being a great place to work for our teammates.
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