Bank of America Corporation

Credit Officer II

Bank of America Corporation$90K — $120K *
Miami, FL 33186In-Person
Finance & Insurance
8 - 10 years of experience
Job Overview by Ladders

Qualifications

  • 10+ years in commercial banking, focusing on Middle Market or similar sectors
  • Proficient in financial statement analysis, underwriting, and cash flow modeling
  • Skilled in managing complex transactions and client portfolios
  • Excellent communication and interpersonal skills
  • Bachelor's degree preferred

Responsibilities

  • Lead client engagement for credit and debt solutions, driving revenue growth
  • Provide strategic advice on capital structure and financing options
  • Tailor credit solutions to align with client needs and risk parameters
  • Negotiate loan terms, covenants, and documentation
  • Manage portfolio asset quality, identifying and mitigating risks
  • Collaborate with relationship managers and specialists to offer integrated solutions
  • Act as a credit approver, ensuring compliance with credit policies
  • Mentor and oversee junior underwriting team members

Benefits

  • Collaborative team-oriented environment
  • Opportunities for mentorship and coaching
  • Exposure to a diverse portfolio of middle market clients
  • Strategic role influencing client financial solutions
  • Support in career development within a reputable financial institution
Full Job Description
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

About Bank of America Corporation

Bank of America Merrill Lynch is the corporate and investment banking division of Bank of America. It provides services in mergers and acquisitions, equity and debt capital markets, lending, trading, risk management, research, and liquidity and payments management. It was formed through the combination of the corporate and investment banking activities of Bank of America and Merrill Lynch following the acquisition of the latter by the former in January 2009. Bank of America completed the acquisition of Merrill Lynch & Co on 1 January 2009. Bank of America began rebranding all of its corporate and investment banking activities under the Bank of America Merrill Lynch name in September 2009. In April 2010, Bank of America Merrill Lynch appointed Christian Meissner as head of investment banking for Europe, Middle East and Africa. In April 2011, Bank of America Merrill Lynch integrated its corporate and investment banking operations into a single division. In October 2013, Bank of America Merrill Lynch was recognised as the Most Innovative Investment Bank of the Year in The Banker's Investment Banking Awards.

Bank of America Corporation Careers

Join the dynamic team at Bank of America Corporation, a premier global financial institution where innovation, leadership, and growth go hand in hand. As one of the largest banks in the world, we offer unparalleled job opportunities and a culture that values diversity, inclusion, and professional growth. Work You’ll Do At Bank of America Corporation, you’ll be part of a team that’s dedicated to making a real difference. Whether you’re helping families buy their first home, advising businesses on expansion, or developing cutting-edge financial technologies, your work will have an impact. Our commitment to leadership in the financial industry has never been stronger, and we need passionate, skilled professionals to lead our journey. Explore a World of Opportunities From entry-level positions to leadership roles, Bank of America Corporation offers a variety of career paths in areas such as investment banking, technology, marketing, and risk management. Our job opportunities span the globe, providing the chance to work alongside the best in the industry and develop skills that will propel your career forward. Internship Programs Kickstart your career with Bank of America Corporation’s internship programs. These opportunities provide hands-on experience and a chance to engage in meaningful work that complements your academic studies. Interns gain invaluable networking opportunities, receive mentorship from seasoned professionals, and learn about the culture and operations of a global financial leader. Benefits and Growth Bank of America Corporation is committed to the well-being and continuous professional development of our team members. We offer a competitive benefits package that supports the health, financial stability, and work-life balance of our employees. Our training programs and development initiatives ensure that every team member has the opportunity to grow and advance within the company. Inclusive Culture We believe our strength lies in our diversity. Bank of America Corporation fosters an inclusive environment where all employees can thrive. Through diversity training and a commitment to equal opportunities, we cultivate leadership and innovation that reflect the wide-ranging communities we serve. Join Our Team Are you ready to advance your career at a company that’s at the forefront of the financial industry? Explore the positions available at Bank of America Corporation and find where your skills and interests align with our needs. We are continuously hiring and looking for individuals who are curious, creative, and eager to drive change. Stay Connected Keep up to date with the latest from Bank of America Corporation Careers by subscribing to our job alert emails. Tailor your subscription to receive updates that match your career interests and get insider tips that can help you during your application and interview process. Bank of America Corporation is not just a company—it’s a place where you can shape your future and the future of finance. Join us and be part of a team that’s redefining what a bank can be.
Learn more about Bank of America Corporation
Size
208,000 employees
Market Cap
$260.3 billion
Industry
Net Income
$17.8 billion
Founded
1998
5 Year Trend
-1.4%
NASDAQ

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