Credit Officer II

Overview

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We focus on Responsible Growth and delivering for clients, teammates, communities and shareholders. We are committed to an inclusive workplace where every teammate can succeed, build a career, and contribute to our shared success. We offer competitive benefits to support the physical, emotional, and financial wellness of our teammates.

Role:
Credit Officer I/II – Middle Market Commercial Banking.

Location:

Northern New England (primarily Massachusetts). The Credit Officer (CO) supports a diverse portfolio of middle market clients with annual revenues from $50MM to $2BN+. The CO is responsible for structuring and advising on credit products, maintains primary responsibility for credit exposure, and partners with Relationship Managers, Treasury Solutions Officers, and underwriting teams.

• Lead client and prospect engagement related to credit and debt capital solutions, supporting business development and revenue growth.
• Serve as a trusted advisor 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 and oversight to junior underwriting and analyst team members.

• 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.

Bachelor’s degree (BA/BS) required.

• Shift: 1st shift (United States of America)
• Hours Per Week: 40
• Pay range: $ - $ annualized salary, with discretionary incentive eligibility.
• This role is eligible to participate in the annual discretionary plan.

This role is currently benefits eligible. We provide industry-leading benefits, paid time off, and resources to support our employees in contributing to sustainable growth and the communities we serve. Privacy Statement:

Bank of America is committed to Responsible Growth and being a great place to work. We hire individuals with diverse backgrounds and invest in our teammates and their families by offering competitive benefits. We encourage flexibility depending on role-specific responsibilities and business needs.

Pay Transparency: