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Credit Risk Manager

2 months ago

St Louis, United States Bank of America Full time
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:

Responsible for providing risk oversight and advice to the Line of Business (LOB) on risk management issues, is responsible for credit approval, and is accountable for sound asset quality and portfolio performance. The role involves working closely with Small Business Credit to review and make timely concurrence decisions on a variety of Small Business commercial credit products ranging from commercial real estate, equipment, lines of credit, SBA loans, and unique structures covering the Lines & Loans and Practice Solutions portfolios. The candidate will also have a strong analytic proclivity and work closely with client selection, credit strategies, enterprise Credit Risk policy, SAG, and other risk teams to review proposed changes to product, client selection, underwriting, credit policy, or regulatory oversight. Thorough knowledge of relevant commercial policies, guidelines, and regulatory requirements to ensure adherence to delegated approval authority.

Primary responsibilities include:
• Provide credit risk concurrence for new credit and existing monitoring decisions
• Ensure underwriting adherence to commercial credit policy
• Work closely with Enterprise Credit Policy team to ensure appropriate Small Business perspective included within Commercial Policy
• Work with sales enablement teams to ensure client selection is in line with credit risk objectives
• Provide Risk point of view on proposed changes to credit buy box and determine impact to asset quality outcomes
• Demonstrate candor by actively and constructively debating with front line unit teams
• Ensure appropriate metrics and KPI are in place to effectively monitor Small Business portfolios
• Review and assess data and information on customer profiles and portfolio performance
• Provide subject matter expertise as a key partner in initiative change, product change, and regulatory oversight

Managerial Responsibilities:
This position may also have responsibilities for managing associates. At Bank of America, all managers at this level demonstrate the following responsibilities, in addition to those specific to the role, listed above.
  • Diversity & Inclusion Champion: Models an inclusive environment for employees and clients, aligned to company D&I goals.
  • Manager of Process & Data: Demonstrates deep process knowledge, operational excellence and innovation through a focus on simplicity, data based decision making and continuous improvement.
  • Enterprise Advocate & Communicator: Communicates enterprise decisions, purpose, and results, and connects to team strategy, priorities and contributions.
  • Risk Manager: Ensures proper risk discipline, controls and culture are in place to identify, escalate and debate issues.
  • People Manager & Coach: Provides inspection, coaching and feedback to motivate, differentiate and improve performance.
  • Financial Steward: Actively manages expenses and budgets in alignment with objectives, making sound financial decisions.
  • Enterprise Talent Leader: Assesses talent and builds bench strength for roles across the organization.
  • Driver of Business Outcomes: Delivers results by effectively prioritizing, inspecting and appropriately delegating team work.
Skills:
  • Credit and Risk Assessment
  • Critical Thinking
  • Risk Analytics
  • Risk Management
  • Strategic Thinking
  • Decision Making
  • Interpret Relevant Laws, Rules, and Regulations
  • Issue Management
  • Portfolio Analysis
  • Regulatory Compliance
  • Business Intelligence
  • Financial Accounting
  • Inclusive Leadership
  • Influence
  • Presentation Skills
Required Qualifications:
  • 7+ years of credit lending experience across a range of products, preferably Small Business / Commercial
  • Knowledge of Commercial Credit Policy and regulatory environment
  • Proven experience in partnering, influencing, and persuading to achieve desired results
  • Excellent verbal, written, and interpersonal skills that can deliver clear and constructive communication with appropriate candor Demonstrated conviction and decision orientation
  • Experience in developing presentations and delivering to senior level executives
  • Effective team player that works with others within Credit Risk and the front line unit
Desired Qualifications
  • Formal commercial credit training and proficiency analyzing business financial statements
  • Commercial lending experience, including knowledge of various industry segments
  • Familiarity with underwriting platforms
  • Ability to work with data using Excel or data visualization tools such as Tableau
  • Self-starter with excellent anticipation skills; problem solving; follow up


Shift:
1st shift (United States of America)

Hours Per Week:
40