Guarantees Standby Letter Credit Officer Italian Speaking jobs at Bank Of America in United Kingdom

The role is an analytical and strategic resource within the Special Assets Group (SAG), supporting SAG Senior Portfolio Officers (POs) in managing criticized/classified commercial loan portfolio. This includes structuring and underwriting of credit facilities, providing financial and collateral analysis, drafting credit approvals, asset quality forecasting, monitoring covenant compliance and adherence to regulatory requirements.

Responsibilities

• Provide analytical support to SAG POs in developing and executing loan workout, restructuring, and recovery strategies
• Prepare credit approval packages, risk rating analyses, asset quality forecasts, and restructuring recommendations
• Monitor covenant compliance, borrower performance, and collateral adequacy
• Participate in client meetings, negotiations (as appropriate), and strategy sessions with internal/external stakeholders
• Contribute to regulatory reporting, internal audits, and governance processes
• Participate in strategic projects to support business goals
• Build strong partnerships with internal partners, including Corporate Banking, Investment Banking, Legal, Risk, and Finance
• Develop and maintain a deep understanding of the product spectrum and portfolio at the client, industry, and macro level to assess risk and craft value added solutions

What we are looking for:

• Experience in commercial workout, credit risk management, or commercial loan underwriting related experience
• Knowledge of commercial loan structures, corporate finance, and financial statement analysis
• Familiarity with syndicated and agented loan structures, including multi-lender negotiations
• Excellent written and verbal communication skills, with demonstrated ability to produce clear, persuasive materials for senior audiences
• Proven ability to manage multiple priorities and meet tight deadlines in a high-pressure environment
• Experience working in Corporate Workout, Leveraged Finance, Structured Credit, Distressed Debt Advisory, or a Restructuring team (bank, advisory, or buy-side)
• Experience with collateral valuation, liquidation analysis, and capital markets transactions related to distressed assets
• Proactive self-starter, motivated and with an aptitude to learn quickly under pressure in a fast-paced environment with the ability to manage within tight deadlines

Skills that will help:

• Credit and Risk Assessment
• Critical thinking and problem solving
• Financial modeling and analysis
• Knowledge of loan documentation and credit agreements
• Interpret relevant Laws, Rules, and Regulations
• Collaboration and cross-functional teamwork
• Strong oral and written communication
• Ability to synthesize complex data and present clear, actionable recommendations

UK

• Private healthcare for you and your family plus an annual health screen to help you manage your physical wellness with the option to purchase a screen for your partner
• Competitive pension plan, life assurance and group income protection cover if you become unable to work as a result of a disability or health reasons
• 20 days of back-up childcare including access to school holiday clubs and 20 days of back-up adult care per annum
• The ability to change your core benefits as well as the option of selecting a variety of flexible benefits to suit your personal circumstances including access to a wellbeing account, travel insurance, critical illness etc.
• Access to an emotional wellbeing helpline, mental health first aiders and virtual GP services.
• Access to an Employee Assistance Program for confidential support and help for everyday matters
• Ability to donate to charities of your choice directly through payroll and the bank will match your contribution
• Opportunity to access our Arts & Culture corporate membership program and receive discounted entry to some of the UK’s most iconic cultural institutions and exhibitions.
• Opportunity to give back to your community, develop new skills and work with new groups of people by volunteering in your local community.

We strive to ensure that our recruitment processes are accessible for all candidates and encourage any candidates to tell us about any adjustment requirements.

Job Description:

Job Title:Leasing Credit Underwriter

AVP

Job Description:

Partnering with the GVF Credit Underwriters, the individual will be responsible for supporting the end-to-end credit management process. Responsibilities include data verification of new/existing deals on source systems; posting of documents to electronic credit file; spreading financials; gathering underwriting information and completing basic underwriting, maintaining internal files and ensuring systems and data integrity. The ability to efficiently multi-task and be decisive are important keys to success. Part of responsibilities may include interpreting/analyzing financial statements and documentation in one of the major European languages (i.e. German, French, Spanish or Italian).

• Undergraduate business degree desired (accounting and finance)

• Exceptional organisational skills (time management, multi-tasking, prioritization)

• Strong computer skills and attention to detail

• Effective communication skills (written and verbal)

• The ability to work effectively, both as a team member and independently

• Language skills are desirable (ability to interpret financial statements and review documentation in language) – German, Spanish, Italian or French

• Demonstrated customer service skills

• Results oriented, is able to accomplish objectives in a specified timeframe

• Travel - 10%

UK

• At Bank of America, we strive to prioritise employees’ health and wellbeing – it’s what makes us a Great Place to Work.

• Private healthcare for you and your family plus an annual health screen to help you manage your physical wellness with the option to purchase a screen for your partner.

• Competitive pension plan, life assurance and group income protection cover if you become unable to work as a result of a disability or health reasons.

• We offer 26-weeks paid maternity leave, 16-weeks paid paternity leave and inclusive family leave arrangements for working parents and carers including 20 days of back-up childcare including access to school holiday clubs and 20 days of back-up adult care per annum.

• 20 days of back-up childcare including access to school holiday clubs and 20 days of back-up adult care per annum.

• The ability to change your core benefits as well as the option of selecting a variety of flexible benefits to suit your personal circumstances including access to a wellbeing account, travel insurance, critical illness, cycle to work etc.

• Access to free counselling through the Employee Assistance Program and virtual GP services through our private health care plan.

• Access to an Employee Assistance Program for confidential support and help for everyday matters.

• Ability to donate to charities of your choice directly through payroll and the bank will match your contribution.

• Opportunity to access our Arts & Culture corporate membership program and receive discounted entry to some of the UK’s most iconic cultural institutions and exhibitions.

• Opportunity to give back to your community, develop new skills and work with new groups of people by volunteering in your local community.

We strive to ensure that our recruitment processes are accessible for all candidates and encourage any candidates to tell us about any adjustment requirements.

Job Description:

Job Title:Credit Risk Officer

Analyst/Associate

Role Description

GCIB Credit is responsible for analysing and delivering credit underwriting debt financing solutions and derivative strategies for medium and large corporate clients of GCIB & Global Markets (GM). GCIB includes Corporate Banking and Investment Banking and GM includes Sales & Trading. The group provides services to middle-market and large corporations, government entities and institutional investors. Services including mergers and acquisition advice, equity and debt capital raising, corporate lending, sales and trading in fixed income, commodities, currency and equities, risk management, research, and liquidity and payments management.

Responsibilities

• Perform financial and credit analysis, risk rating analysis ensuring adherence to prevailing credit policy and procedures for an assigned portfolio.
• Independently assess credit worthiness, perform intensive qualitative and quantitative due diligence of prospective borrowers and/or trading counterparties and establish appropriate terms and conditions to mitigate risk.
• Structuring transactions, underwriting and negotiating credit documentation designed to meet both client and investor needs including credit agreements, amendments, derivative documentation.
• Ensuring granularity of the portfolio with specific reference to targets for net country/credit capital, legally binding commitments, total exposure and asset quality.
• Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the client’s credit life cycle.
• Ensuring that the portfolio and credit management process are at all times rated "satisfactory" by internal auditors, the Credit Review group and external Regulators.
• Develop and maintain a deep understanding of the product spectrum and portfolio at the client, industry, and macro level to assess risk and craft value added solutions balancing risk.
• Develop, maintain, and manage internal relationships with business partners including Corporate and Investment Bankers, Sales & Trading, Risk Management, Syndications, and Legal.
• Participate in strategic projects to support business goals.
• Providing provide appropriate coaching and development to junior teammates.

What we are looking for

• BA/BSc degree (or equivalent); Finance, Accounting or Economics would be beneficial.
• Credit risk experience at a major international financial institution, analysing, assessing companies and knowledge of EMEA and specific industry sectors, structuring transactions and documentation.
• Credit skills, risk judgment and broader risk awareness and understanding of the wider business, market and regulatory environment in which the bank operates, and how that impacts client and portfolio’s credit profile and ability to defend rigorously a fact-based point of view.
• Sound product/technical, documentation and process knowledge across lending, trade finance and derivative (FX, rates, commodities and equities) products.
• Acting as an agent of change/improvement, influencing corporate policy/procedure and projecting a positive strategic vision.
• Commercial mindset to support value added discussions with effective interpersonal and written and verbal communication skills, and attention to detail and accuracy.
• Fluency with use of Microsoft Office applications, particularly Excel; including ability to prepare and/or review company specific financial models in Excel.
• Strong organisational skills with ability to prioritise and work under pressure, drive deal selection, negotiate solutions, strong transaction management process, and proactively manage credit risks.
• Understanding of credit risk sensitivities in the portfolio and risk drivers of the exposures.
• Keen interest in finance, macroeconomic and geopolitical issues.
• Fluency in English required. Additionally, other European language skills highly beneficial.

We strive to ensure that our recruitment processes are accessible for all candidates and encourage any candidates to tell us about any adjustment requirements.

The Credit Risk Officer (CRO) role is a senior analytical and strategic resource within the Special Assets Group (SAG), supporting SAG Senior Portfolio Officers (POs) in managing criticized/classified commercial loan portfolio. This includes structuring and underwriting of credit facilities, providing financial and collateral analysis, drafting credit approvals, asset quality forecasting, monitoring covenant compliance and adherence to regulatory requirements.

Responsibilities

• Provide analytical support to SAG POs in developing and executing loan workout, restructuring, and recovery strategies
• Prepare credit approval packages, risk rating analyses, asset quality forecasts, and restructuring recommendations
• Monitor covenant compliance, borrower performance, and collateral adequacy
• Participate in client meetings, negotiations (as appropriate), and strategy sessions with internal/external stakeholders
• Contribute to regulatory reporting, internal audits, and governance processes
• Participate in strategic projects to support business goals
• Build strong partnerships with internal partners, including Corporate Banking, Investment Banking, Legal, Risk, and Finance
• Develop and maintain a deep understanding of the product spectrum and portfolio at the client, industry, and macro level to assess risk and craft value added solutions

What we are looking for:

• Experience in commercial workout, credit risk management, or commercial loan underwriting related experience
• Strong knowledge of commercial loan structures, corporate finance, and financial statement analysis
• Familiarity with syndicated and agented loan structures, including multi-lender negotiations
• Excellent written and verbal communication skills, with demonstrated ability to produce clear, persuasive materials for senior audiences
• Proven ability to manage multiple priorities and meet tight deadlines in a high-pressure environment
• Experience working in Corporate Workout, Leveraged Finance, Structured Credit, Distressed Debt Advisory, or a Restructuring team (bank, advisory, or buy-side)
• Experience with collateral valuation, liquidation analysis, and capital markets transactions related to distressed assets
• Proactive self-starter, motivated and with an aptitude to learn quickly under pressure in a fast-paced environment with the ability to manage within tight deadlines

Skills that will help:

• Credit and Risk Assessment
• Critical thinking and problem solving
• Financial modeling and analysis
• Knowledge of loan documentation and credit agreements
• Interpret relevant Laws, Rules, and Regulations
• Collaboration and cross-functional teamwork
• Strong oral and written communication
• Ability to synthesize complex data and present clear, actionable recommendations

UK

• Private healthcare for you and your family plus an annual health screen to help you manage your physical wellness with the option to purchase a screen for your partner
• Competitive pension plan, life assurance and group income protection cover if you become unable to work as a result of a disability or health reasons
• 20 days of back-up childcare including access to school holiday clubs and 20 days of back-up adult care per annum
• The ability to change your core benefits as well as the option of selecting a variety of flexible benefits to suit your personal circumstances including access to a wellbeing account, travel insurance, critical illness etc.
• Access to an emotional wellbeing helpline, mental health first aiders and virtual GP services.
• Access to an Employee Assistance Program for confidential support and help for everyday matters
• Ability to donate to charities of your choice directly through payroll and the bank will match your contribution
• Opportunity to access our Arts & Culture corporate membership program and receive discounted entry to some of the UK’s most iconic cultural institutions and exhibitions.
• Opportunity to give back to your community, develop new skills and work with new groups of people by volunteering in your local community.

We strive to ensure that our recruitment processes are accessible for all candidates and encourage any candidates to tell us about any adjustment requirements.

Job Description:

Job Title:Credit Risk Analyst/Associate - Corporates Credit

Analyst or Associate

Role Description

GCIB Credit is responsible for analysing and delivering credit underwriting debt financing solutions and derivative strategies for medium and large corporate clients of GCIB & Global Markets (GM). GCIB includes Corporate Banking and Investment Banking and GM includes Sales & Trading. The group provides services to middle-market and large corporations, government entities and institutional investors. Services including mergers and acquisition advice, equity and debt capital raising, corporate lending, sales and trading in fixed income, commodities, currency and equities, risk management, research, and liquidity and payments management.

Responsibilities

• Perform financial and credit analysis, risk rating analysis ensuring adherence to prevailing credit policy and procedures for an assigned portfolio.
• Independently assess credit worthiness, perform intensive qualitative and quantitative due diligence of prospective borrowers and/or trading counterparties and establish appropriate terms and conditions to mitigate risk.
• Structuring transactions, underwriting and negotiating credit documentation designed to meet both client and investor needs including credit agreements, amendments, derivative documentation.
• Ensuring granularity of the portfolio with specific reference to targets for net country/credit capital, legally binding commitments, total exposure and asset quality.
• Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the client’s credit life cycle.
• Ensuring that the portfolio and credit management process are at all times rated "satisfactory" by internal auditors, the Credit Review group and external Regulators.
• Develop and maintain a deep understanding of the product spectrum and portfolio at the client, industry, and macro level to assess risk and craft value added solutions balancing risk.
• Develop, maintain, and manage internal relationships with business partners including Corporate and Investment Bankers, Sales & Trading, Risk Management, Syndications, and Legal.
• Participate in strategic projects to support business goals.

What we are looking for

• BA/BSc degree (or equivalent); Finance, Accounting or Economics would be beneficial.
• Relevant prior experience in financial services, preferably roles within credit risk management, where you have demonstrated an ability to identify, assess, monitor, control and mitigate credit risk.
• Credit skills and risk judgment and ability to defend rigorously a fact-based point of view.
• Knowledge and keen interest to learn about issues related to industry risk, transaction risk and awareness of country risk factors, reputational risk and operational risk.
• Ability to quickly absorb and follow internal credit policies and procedures; demonstrated ability to continuously learn and adapt with a proactive work ethic.
• Commercial mindset to support value added discussions with effective interpersonal and written and verbal communication skills, and attention to detail and accuracy.
• Understanding of credit risk sensitivities in the portfolio and risk drivers of the exposures.
• Keen interest in finance, macroeconomic and geopolitical issues.
• Fluency with use of Microsoft Office applications, particularly Excel; including ability to prepare and/or review company specific financial models in Excel.
• Strong team player & organisational skills with ability to prioritise and work under pressure to meet deadlines.
• Effective interpersonal and written and verbal communication skills both written and verbal with ability to be concise and with attention to accuracy and detail.
• Fluency in English required. Additionally, other European language skillswill be consideredhighly beneficial.

UK

• Private healthcare for you and your family plus an annual health screen to help you manage your physical wellness with the option to purchase a screen for your partner
• Competitive pension plan, life assurance and group income protection cover if you become unable to work as a result of a disability or health reasons
• 20 days of back-up childcare including access to school holiday clubs and 20 days of back-up adult care per annum
• The ability to change your core benefits as well as the option of selecting a variety of flexible benefits to suit your personal circumstances including access to a wellbeing account, travel insurance, critical illness etc.
• Access to an emotional wellbeing helpline, mental health first aiders and virtual GP services.
• Access to an Employee Assistance Program for confidential support and help for everyday matters
• Ability to donate to charities of your choice directly through payroll and the bank will match your contribution
• Opportunity to access our Arts & Culture corporate membership program and receive discounted entry to some of the UK’s most iconic cultural institutions and exhibitions.
• Opportunity to give back to your community, develop new skills and work with new groups of people by volunteering in your local community.

We strive to ensure that our recruitment processes are accessible for all candidates and encourage any candidates to tell us about any adjustment requirements.

Corporate Title: Up to AVP

Join our bustling Bromley office, situated in one of London’s greenest boroughs. Here you’ll find plentiful and easy commuting routes, with central London just 15 minutes away by train.

Role Description:

& Operations

Responsibilities:

• You will be responsible for your own portfolio of agented and directs deals
• You will be the first point of contact for clients
• You will be responsible for processing of Drawdowns, Rollovers, Rate Fixings, Assignments, Revaluations, fee calculations and Reconciliation
• You will be responsible for the booking and maintenance of the Loan portfolio in LoanIQ
• You will be responsible for supporting our Front Office business partners Agency Management, Fulfilment; Leveraged Finance; Portfolio Managers, Asset Based Lending and SAG.
• You will be a point of contact for supporting our syndicated operations team

What we are looking for:

• You will have performed a similar role previously and have a deep understanding of maintaining a loan portfolio.
• You will be able to act independently and apply a risk-based approach
• LoanIQ Experience prefarable
• You will have excellent knowledge of lending, servicing, and loans
• You will have excellent organisational and prioritisation skills
• You will have excellent communication skills at all levels

Skills that will help (optional):

• Previous documentation experience would be a keen advantage
• Microsoft Excel experience will be an advantage
• Having an analytical mindset will be a plus

UK

• Private healthcare for you and your family plus an annual health screen to help you manage your physical wellness with the option to purchase a screen for your partner
• Competitive pension plan, life assurance and group income protection cover if you become unable to work as a result of a disability or health reasons
• 20 days of back-up childcare including virtual tutoring and 20 days of back-up adult care per annum
• The ability to change your core benefits as well as the option of selecting a variety of flexible benefits to suit your personal circumstances including access to a wellbeing account, travel insurance, critical illness etc
• Use of a flex fund to use towards benefits
• Access to an emotional wellbeing helpline, mental health first aiders and virtual GP services
• Ability to donate to charities of your choice directly through payroll and the bank will match your contribution
• Opportunity to access our Arts & Culture corporate membership programme and receive discounted entry to some of the UK and Ireland’s most iconic cultural institutions
• Opportunity to give back to your community, develop new skills and work with new groups of people by volunteering in your local area

We strive to ensure that our recruitment processes are accessible for all candidates and encourage any candidates to tell us about any adjustment requirements.

Job Title:Credit Risk Officer

Job Description

GCIB Credit is responsible for analysing and delivering credit underwriting debt financing solutions and derivative strategies for medium and large corporate clients of GCIB & Global Markets (GM). GCIB includes corporate banking and investment banking and GM includes sales & trading. The group provides services to middle-market and large corporations, government entities and institutional investors. Services including mergers and acquisition advice, equity and debt capital raising, corporate lending, sales and trading in fixed income, commodities, currency and equities, risk management, research, and liquidity and payments management.

Responsibilities

• Perform financial and credit analysis, risk rating analysis ensuring adherence to prevailing credit policy and procedures for an assigned portfolio.
• Independently assess credit worthiness, perform intensive qualitative and quantitative due diligence of prospective borrowers and/or trading counterparties and establish appropriate terms and conditions to mitigate risk
• Structuring transactions, underwriting and negotiating credit documentation designed to meet both client and investor needs including credit agreements, amendments, derivative documentation.
• Ensuring granularity of the portfolio with specific reference to targets for net country/credit capital, legally binding commitments, total exposure and asset quality.
• Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the client’s credit life cycle.
• Ensuring that the portfolio and credit management process are at all times rated "satisfactory" by internal auditors, the Credit Review group and external Regulators.
• Develop and maintain a deep understanding of the product spectrum and portfolio at the client, industry, and macro level to assess risk and craft value added solutions balancing risk.
• Develop, maintain, and manage internal relationships with business partners including Corporate and Investment Bankers, Sales & Trading, Risk Management, Syndications, and Legal.
• Participate in strategic projects to support business goals.
• Providing provide appropriate coaching and development to junior teammates.

What we are looking for

• Credit risk experience at a major international financial institution, analysing, assessing companies and knowledge of EMEA and specific industry sectors, structuring transactions and documentation.
• Knowledge of analysing and assessing mid-market corporates, including understanding market practices on structuring and documentation for such mid-market corporates, across different industry sectors
• Effective credit skills, risk judgment and broader risk awareness and understanding of the wider business, market and regulatory environment in which the bank operates, and how that impacts client and portfolio’s credit profile and ability to defend rigorously a fact-based point of view.
• BA/BSc degree (or equivalent); Finance, Accounting or Economics would be beneficial.
• Sound product/technical, documentation and process knowledge across lending, trade finance and derivative (FX, rates, commodities and equities) products.
• Acting as an agent of change/improvement, influencing corporate policy/procedure and projecting a positive strategic vision.
• Commercial mindset to support value added discussions with effective interpersonal and written and verbal communication skills, and attention to detail and accuracy.
• Fluency with use of Microsoft Office applications, particularly Excel; including ability to prepare and/or review company specific financial models in Excel.
• Strong organisational skills with ability to prioritise and work under pressure, drive deal selection, negotiate solutions, strong transaction management process, and proactively manage credit risks.
• Fluency in English required. Additionally, another European language skills will be considered highly beneficial.

UK

• Private healthcare for you and your family plus an annual health screen to help you manage your physical wellness with the option to purchase a screen for your partner
• Competitive pension plan, life assurance and group income protection cover if you become unable to work as a result of a disability or health reasons
• 20 days of back-up childcare including access to school holiday clubs and 20 days of back-up adult care per annum
• The ability to change your core benefits as well as the option of selecting a variety of flexible benefits to suit your personal circumstances including access to a wellbeing account, travel insurance, critical illness etc.
• Access to an emotional wellbeing helpline, mental health first aiders and virtual GP services.
• Access to an Employee Assistance Program for confidential support and help for everyday matters
• Ability to donate to charities of your choice directly through payroll and the bank will match your contribution
• Opportunity to access our Arts & Culture corporate membership program and receive discounted entry to some of the UK’s most iconic cultural institutions and exhibitions.
• Opportunity to give back to your community, develop new skills and work with new groups of people by volunteering in your local community.

We strive to ensure that our recruitment processes are accessible for all candidates and encourage any candidates to tell us about any adjustment requirements.