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Credit Manager Jobs in Boca Raton, FL (NOW HIRING)

BofA Securities

Credit Officer II

Fort Lauderdale, FL · On-site

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 ...

Bank of America

Credit Officer II

West Palm Beach, FL · On-site

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 ...

Bank of America

Credit Officer II

Fort Lauderdale, FL · On-site

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 ...

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All JobsCredit JobsCredit Manager JobsCredit Manager Jobs in Boca Raton, FL

Credit Manager information

See Boca Raton, FL salary details

$24.2K

$64.2K

$122.4K

How much do credit manager jobs pay per year?

As of Jul 20, 2026, the average yearly pay for credit manager in Boca Raton, FL is $64,205.00, according to ZipRecruiter salary data. Most workers in this role earn between $34,200.00 and $87,800.00 per year, depending on experience, location, and employer.

What are some typical challenges Credit Managers face when assessing credit risk, and how can these be addressed?

Credit Managers often face the challenge of gathering sufficient and reliable financial data to accurately assess the creditworthiness of clients, especially with new or small businesses. Balancing the need for thorough risk analysis with maintaining positive customer relationships is also crucial. To address these challenges, Credit Managers use robust credit scoring systems, maintain clear communication with clients, and stay updated on industry trends to refine their risk assessment strategies. Collaboration with sales and finance teams is essential to align credit policies with organizational goals while minimizing exposure to bad debt.

What are the 5 C's of credit management?

The 5 C's of credit management are Character, Capacity, Capital, Collateral, and Conditions. These criteria help credit managers assess a borrower's creditworthiness and determine the risk of extending credit. Understanding and evaluating these factors is essential for effective credit risk management and decision-making.

What Does a Credit Manager Do?

A credit manager works in the banking industry or for a lending organization. Their job responsibilities include underwriting or evaluating requests for credit using credit scores, projected profits and losses, and risk factors. People in credit management are responsible for accepting or rejecting loan applications based on these criteria and have the authority to oversee the company’s lending process. The job duties of a credit manager also include creating models to assess creditworthiness, as their ultimate goal is to reduce loss and increase profits from lending. Alternatively, a credit manager can work for a seller, typically a business-to-business or B2B organization, granting trade credit to buyers. Credit managers are responsible for creating models or criteria to assess the creditworthiness of buyers, creating discount or incentive programs for early payment, and managing the credit department of the company. They may also be responsible for credit accounting and collections. Career qualifications include a bachelor’s degree in accounting, business, or a related field.

What are the key skills and qualifications needed to thrive as a Credit Manager, and why are they important?

To thrive as a Credit Manager, you need expertise in financial analysis, credit risk assessment, and a solid understanding of accounting principles, often supported by a degree in finance or a related field. Familiarity with credit management software, ERP systems, and relevant certifications such as Certified Credit Professional (CCP) are commonly required. Strong negotiation, decision-making, and communication skills help build trust with clients and effectively manage credit policies. These skills ensure the organization minimizes financial risk while maintaining healthy customer relationships and cash flow.

What is the difference between Credit Manager vs Credit Analyst?

AspectCredit ManagerCredit Analyst
CredentialsBachelor's degree; often certifications like CAM, CCRABachelor's degree; often certifications like CAM, CCRA
Work EnvironmentOversees credit policies, manages teams, interacts with senior managementAnalyzes credit data, assesses risk, prepares reports
Employer & IndustryFinancial institutions, corporations, credit agenciesFinancial institutions, credit bureaus, lending companies

The Credit Manager focuses on overseeing credit policies, managing credit teams, and making high-level credit decisions. In contrast, the Credit Analyst primarily analyzes credit data, assesses risk, and prepares reports to support credit decisions. Both roles require similar credentials and often work within the same industries, but their responsibilities differ in scope and focus.

Is credit management a good career?

Credit management is a stable career that involves assessing creditworthiness, managing credit risk, and maintaining customer relationships. It often requires strong analytical skills, attention to detail, and knowledge of financial regulations, with opportunities for advancement into senior finance roles.

What is the highest paying credit manager job?

The highest paying credit manager roles are typically senior or executive-level positions such as Credit Director or Chief Credit Officer, often found in large corporations or financial institutions. These roles require extensive experience, advanced financial skills, and sometimes certifications like CFA or CPA, and they can offer salaries exceeding $150,000 annually depending on the industry and location.

What is the work of a credit manager?

A credit manager oversees a company's credit policies, evaluates the creditworthiness of clients, and approves or denies credit applications. They analyze financial data, manage credit risk, and ensure timely collection of payments, often using credit management software. Strong analytical skills and knowledge of financial regulations are essential for this role.

What does a Credit Manager do?

A Credit Manager is responsible for overseeing a company's credit policies, assessing the creditworthiness of potential customers, and managing the process of granting credit and collecting payments. They analyze financial data, set credit limits, and help minimize financial risk to the organization. Credit Managers also work closely with sales and accounting teams to ensure that credit terms are followed and that outstanding debts are collected efficiently.
More about Credit Manager jobs
What are the most commonly searched types of Credit jobs in Boca Raton, FL? The most popular types of Credit jobs in Boca Raton, FL are:
What are popular job titles related to Credit Manager jobs in Boca Raton, FL? For Credit Manager jobs in Boca Raton, FL, the most frequently searched job titles are:
What job categories do people searching Credit Manager jobs in Boca Raton, FL look for? The top searched job categories for Credit Manager jobs in Boca Raton, FL are:
What cities near Boca Raton, FL are hiring for Credit Manager jobs? Cities near Boca Raton, FL with the most Credit Manager job openings:
Credit Manager jobs near you
Infographic showing various Credit Manager job openings in Boca Raton, FL as of July 2026, with employment types broken down into 83% Full Time, 16% Part Time, and 1% Temporary. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $64,205 per year, or $30.9 per hour.

Credit Officer II

BofA Securities

Fort Lauderdale, FL • On-site

Full-time

Posted yesterday

Job description

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

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