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Credit Risk Analyst II

2 months ago

Charlotte, North Carolina, United States Bank of America Full time


Position Overview:
As a Risk Analysis Specialist II at Bank of America, our mission is to enhance financial well-being through every connection we make.

We are committed to Responsible Growth, which reflects our dedication to serving clients, colleagues, communities, and shareholders consistently.

Our focus on creating a supportive workplace is vital to our success. We prioritize diversity and inclusivity, welcoming individuals from various backgrounds and experiences. We invest significantly in our employees and their families by providing competitive benefits that promote physical, emotional, and financial health.

At Bank of America, we believe in collaboration while also offering flexibility tailored to the diverse roles within our organization.

Being part of Bank of America presents an opportunity for a fulfilling career where you can learn, grow, and make a meaningful impact.


Job Responsibilities:


This role involves assisting with data and technology inquiries, conducting complex reporting and analysis, and modeling to mitigate risk and reduce credit and operational losses.

Key responsibilities include:

  • Reviewing and analyzing portfolio trends.
  • Supporting the creation of intricate databases or queries for data extraction.
  • Facilitating the generation of data for both internal and external reporting requirements.

Expectations for this role include collaborating with Technology to implement necessary changes to meet ongoing data requirements.


Core Responsibilities:
  • Facilitates the development and execution of reports to enable Risk and business partners to effectively identify and manage risk.
  • Analyzes trends and assists in data design, portfolio dynamics, and loss trends to ensure alignment with business strategies.
  • Provides analytical support for various strategic initiatives impacting multiple Risk functions and business lines to achieve company objectives.
  • Participates in the creation of database production processes and performance reports for senior management, utilizing data mining and advanced analytical techniques.
  • Assists in responding to complex ad-hoc information requests from internal and external stakeholders.
  • Supports cross-functional efforts to address data quality issues.
  • Monitors control outputs and investigates alerts from control checks.

Required Skills:
  • Attention to Detail
  • Business Intelligence
  • Data and Trend Analysis
  • Risk Analytics
  • Risk Management
  • Adaptability
  • Collaboration
  • Continuous Improvement
  • Data Visualization
  • Project Management
  • Business Acumen
  • Issue Management
  • Regulatory Relations
  • Stakeholder Management
  • Technical Documentation

Qualifications:
  • Master's degree in a quantitative field or equivalent experience.
  • 2+ years of experience in model development, validation, statistical analysis, data analytics, or quantitative research, or a PhD.

Ability to Manage and Deliver:
  • Cycle-over-cycle operational processes across data provisioning, model execution, and performance monitoring.
  • Close collaboration with change agents driving operational excellence through strategic change.
  • Execution of processes while adhering to various policies and regulations.
  • Code development and programming with tools such as Python, PySpark, SQL, Hadoop, and Hive.
  • Additional experience with Unix/Linux, Shell Scripting, and SAS is advantageous.

Operations Management Skills:
  • Proficiency in managing the full project life cycle from inception to implementation.
  • Ability to operate effectively in both business and technical environments.

Personal Qualities:
  • Strong understanding of process controls and safeguards.
  • Confident self-starter with a quick learning ability and intellectual curiosity.
  • Excellent communication skills, both verbal and written.
  • Strong team player, capable of leading and following as needed.
  • Effective influencing skills.

Shift: 1st shift (United States of America)

Hours Per Week: 40

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