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Bank Of America Credit Risk Officer - Corp/Comm United States, New York, New York 322914601
This job is responsible for analyzing credit and investigating existing and prospective clients and counterparts. Key responsibilities include focusing on but not limited to credit, market, and reputational risk; as well as adherence or monitoring of credit risk policies, risk appetite, and reporting, including but not limited to Top of House (TOH) and Line of Business (LOB) specific reports or regulatory related reporting.
Responsibilities:
Sets or supports the oversight of the ongoing management of risk parameters and guardrails for credit risk while ensuring adherence to risk appetite/limits, and actively inspects and/or designs risk scenarios to implement decisions
Supports the credit approval process and therefore is accountable for overall portfolio performance and asset quality, including underwriting, structuring and monitoring tasks
Conducts analysis, inspects and/or develops credit risk reporting for specific products, and monitors and reports on key indicators for changes in credit quality to communicate to senior management
Ensures adherence to policy and standards and performs due diligence that the risk is within the bank's defined risk appetite, using knowledge of stress testing and its applicability to credit risk
Supports monitoring of adherence to industry risk governance, as well as monitoring for potential operational, reputational and market risk issues
Identifies risks early that could impact the assigned portfolio and coordinates with business counterparts to resolve portfolio issues
Managing a portfolio of 15 – 20 corporate clients conducting financial analysis, tracking portfolio company performance, assessing ongoing creditworthiness, assisting in the origination, negotiation and structuring of senior bank debt and related credit products
Build extensive knowledge of clients and in-depth research and industry expertise
Work closely with Risk and Global Banking and Markets, particularly colleagues in Corporate Banking / Relationship Management, Trading (primarily FX and Interest Rate Swaps), Treasury Management and Syndications (investment grade and leveraged finance)
Qualitative and quantitative due diligence on industry and company factors
Researching, writing, and presenting financial and industry analysis in support of company specific and portfolio level decisions
Evaluating transaction and relationship risk-adjusted profitability to facilitate the allocation of and return on capital
On-going monitoring of client’s financial performance, industry trends and emerging risks
Participating in the structuring, underwriting and documentation of credit facilities designed to meet both client and investor needs as well as balance the bank's internal risk/return requirements
Monitoring and managing credit exposure associated with the Bank's broad range of products including Loans, Leasing, Foreign Exchange, Derivatives, & Treasury Management
Supports the credit approval process and therefore is accountable for overall portfolio performance and asset quality, including underwriting, structuring, and monitoring tasks
Required Qualifications
7+ years Commercial/Corporate banking risk and/or analysis experience
Understanding of basic accounting
Working knowledge of corporate finance
Strong business writing skills
Desired Qualifications:
Bachelor’s Degree
Foundational understanding of legal credit agreements
Ability to coach junior teammates
Working knowledge of ancillary bank products (treasury, cash management, derivatives)
Specific experience within Technology, Media, Telecom & Gaming a bonus
Skills:
Credit and Risk Assessment
Financial Accounting
Issue Management
Portfolio Analysis
Risk Analytics
Business Intelligence
Interpret Relevant Laws, Rules, and Regulations
Regulatory Compliance
Attention to Detail
Collaboration
Oral Communications
Prioritization
Presentation Skills
Project Management
Written Communications
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