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.

• Either individually or working with Portfolio Manager(s), establish and execute a risk-based coverage plan for specific portfolio(s). Coverage Plan to include, at a minimum, examinations, transaction reviews, risk assessments and issue management
• Serve as subject matter expert for and/or lead risk-based and regulatory examinations
• Perform transactional testing of credit process execution of new and existing clients, and provide direct and timely feedback on transactional reviews completed by others
• Effectively assimilate information from various sources to identify emerging risks
• Provide input into staffing and resource allocations
• Build and implement tactical on-boarding plans for new examiners
• Provide periodic updates to business heads and executive management, including communication of examination and monitoring results, new issues and emerging risks
• Issue management, including approval of issue severity ratings, action plans, ongoing issue status tracking and oversight of issue validation
• Track and follow observations from exams/monitoring that don't yet rise to the level of issues
• Actively engage with Corporate Audit to ensure ongoing awareness of review activity, coordination, and ongoing risk assessment
• Actively participate in regulator meetings, liaise with regulators to provide periodic updates on monitoring/exam results, and respond to inquiries from regulators and other external reviewers
• Provide input to top of house reporting for Board and senior management
• Drive a culture of continuous improvement by leading or participating in complex or multiple projects
• Produce quality, timely work
• Maintain well-written, easy to follow work papers in accordance with Credit Review guidelines and best practices
• Raise potential areas of concern for QA team to review

• Extensive commercial credit related experience, including deep understanding of large or complex portfolios. Capital Markets experience with knowledge of Counterparty Credit Risk (traded products) strongly preferred.
• Experience in risk management, lending and/or regulatory agencies
• Excellent credit analysis and project management skills, excellent verbal and written communication, strong interpersonal and leadership skills
• Data manipulation and analysis skills
• Effective process assessment skills - the ability to identify control gaps and their implications to the broader population
• Ability to support conclusions through fact-based analysis and ability to influence senior leaders
• Ability to manage multiple complex tasks while delivering high quality results
• Experience navigating a matrix organization
• Independent and takes initiative
• Resourcefulness in identifying, assessing, and reporting on emerging risks
• Experience with a Credit Review examination process
• Proficiency in Excel
• Ability to work in a team environment, focus on high quality execution
• Critical thinker, high energy and intellectually curious
• Experience with leading without authority
• Ability to coach and develop more junior associates

• Minimum of 8 - 10 years of commercial credit experience (direct lending, underwriting, workout, credit review, risk management, and/or regulatory)
• Ability to support conclusions through fact-based analysis and ability to influence senior leaders
• Excellent credit analysis, project management and leadership skills
• Strong organizational and communication skills, both written and verbal
• Ability to manage multiple complex tasks while delivering high quality results
• Bachelor's Degree with a preference in finance, accounting, economics or other business concentration

• 10+ years of direct commercial credit experience. Experience managing traded products and complex structured financing facilities with asset managers and other institutional clients globally
• Demonstrated experience in identifying, assessing, and reporting on existing and emerging risks
• Experience with direct applicability to Credit Review responsibility
• Ability to coach/mentor new or less experienced associates

• Audit Planning
• Financial Analysis
• Internal Audit Review
• Risk Management
• Underwriting
• Business Acumen
• Credit and Risk Assessment
• Critical Thinking
• Issue Management
• Portfolio Analysis
• Analytical Thinking
• Regulatory Compliance
• Relationship Building
• Stakeholder Management
• Written Communications