Credit Review Senior Examiner

2 weeks ago

Stamford, United States Bank of America Full time

Bank of America Credit Review Senior Examiner Stamford, Connecticut 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 Responsibilities: Through examinations and monitoring, Credit Review provides an independent assessment of credit decisions and the effectiveness of credit processes across the bank’s credit platform, identifies existing and emerging risks, and reports its findings to various stakeholders, including executive management, the Board of Directors or committee thereof, external auditors, and regulatory agencies. Participates in credit review examinations and continuous testing activities across various commercial credit portfolios within Enterprise Credit. The Sr. Examiner will work with examination teams to assess the quality of credit decisioning, portfolio management, risk recognition practices, and the effectiveness of credit management processes. This individual will also assist in the continuous testing of various portfolios by performing transaction reviews of new and existing clients to evaluate appropriateness of client selection, adherence to underwriting expectations, quality of ongoing monitoring, and risk rating accuracy to proactively identify emerging risks and their impact on portfolio credit quality. The Sr. Examiner is generally tasked with the review of more complex transactions. Lastly, may be asked to lead special projects in addition to testing responsibilities. This specific role will support ongoing testing and assessments of Structured Financing Transactions and Counterparty Credit Risk within Global Markets portfolios such as Asset-backed Securitization, Hedge Funds, Asset Managers, Equities, Central Counterparties, etc. Additional coverage areas may include US and International Financial Institutions. Provides expertise, advice, and counsel based on advanced business and/or credit review experience to a complex business and/or across several business groups. Provides leadership for projects and team activities. Functional responsibilities include establishing Monitoring Plans for assigned credit portfolio, assessing associated Level and Direction of Risk ratings and acting as Examiner-in-Charge/EIC. Proactively implements credit review strategy for the sound application of risk-based practices by defining scope, program, and review and exam procedures. Exercises judgment and influences senior business managers and peers. Drives completion of credit issues. Helps business partners balance their business strategy with appropriate risk management controls. Contributes to the development, implementation, and communication of Credit Review's missions, goals, and strategies. Interacts with regulatory agencies, external consultants, and other internal risk management groups. Assesses and advises on the impact of industry-level, geopolitical, and economic trends to credit portfolios. Required Skills: Minimum 8 years of commercial credit experience (direct lending, workout, 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 Internal Audit Review Loan Structuring Research Analysis Business Acumen Credit and Risk Assessment Critical Thinking Issue Management Regulatory Compliance Relationship Building Desired Skills: 10+ years of direct commercial credit experience 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 Strong Counterparty Credit Risk background and/or Global Markets experience Education: Bachelor’s Degree with a preference in finance, accounting, economics, or other business concentration. Shift: 1st shift (United States of America) #J-18808-Ljbffr

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