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Commercial Credit Officer

Bank of America

Bank of America

Miami, FL, USA · Fort Lauderdale, FL, USA · United States · Remote
Posted on Wednesday, July 10, 2024

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. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day.

One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We’re devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being.

Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization.

Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us!

Job Description:
The Commercial Credit Officer (CCO) is a highly skilled resource, providing expert level advisory guidance in the most complex, integrated debt capital solutions for commercial banking clients. Products principally include lines of credit, and term loans, designed to meet company objectives, executed bilaterally as well as in syndicated markets. The CO is an integral member of the Client Team and is responsible for delivering the end-to-end credit experience to clients and prospects, including management of all ancillary credit exposure to clients. The CO maintains knowledge of other Bank of American products including Treasury Management, hedging and other ancillary solutions that have credit exposure, and leverages product expertise to deliver the best possible and optimally integrated strategic solution for the client or prospect. This role reports to the Commercial Credit Manager and will be aligned to an Underwriting Team that supports the market.


  • Manages the credit process for a portfolio of clients
  • Builds relationships with existing and prospective clients
  • Provides capital structure solutions and drives credit sales
  • Leads the credit and risk approval processes
  • Negotiates credit documentation
  • Mentors and supports junior credit associates


  • Client Solutions Advisory
  • Financial Analysis
  • Loan Structuring
  • Risk Management
  • Underwriting
  • Account Management
  • Credit Documentation Requirements
  • Credit and Risk Assessment
  • Decision Making
  • Issue Management
  • Analytical Thinking
  • Coaching
  • Collaboration
  • Critical Thinking
  • Customer and Client Focus

Required Qualifications:

  • 10+ years of solid Commercial Banking/Corporate Finance experience
  • Experience in financial analysis, structuring, underwriting, risk assessment and portfolio management
  • Analytical/technical skills, including financial accounting, modeling and loan structuring
  • Proven sales results through client acquisition, expansion, and retention
  • Strong communication skills; ability to communicate vertically, horizontally, and externally
  • Industry knowledge across multiple sectors, including Aerospace, Defense, and Government Services

Minimum Education Requirement: BA/BS Degree Desired


1st shift (United States of America)

Hours Per Week: