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Bank Of America Credit Review Senior Portfolio Manager United States, North Carolina, Charlotte 783805639
Job Description:
Job Description:
Through examinations and monitoring, Credit Review provides an independent assessment of the quality of credit decisioning, portfolio management, risk recognition practices 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.
This job is responsible for establishing and executing a risk-based coverage plan to monitor specific portfolio(s) within the large corporate credit portfolios within Enterprise Credit. Key responsibilities include serving as a subject matter expert in Credit Review, developing and executing a risk-based coverage plan to monitor and examine the portfolio(s), and performing and reviewing transactional testing of credit process execution controls of new and existing clients
Responsibilities:
Serves as a subject matter expert for the specific portfolio(s) of loans, oversees the execution of Credit Review’s coverage plan and may participate in examination activities
Performs transactional testing of credit process execution of new and existing clients, and provides direct and timely feedback on transactional reviews performed by others
Provides regulatory updates on results, and responds to inquiries
Documents findings through quarterly reporting, including assessing and rating credit control effectiveness, direction of controls, and credit riskiness for the specific portfolio(s)
Assesses and advises on the impact of industry-level, geo-political, and economic trends to credit portfolios
Manages issues, including approval of issue severity ratings, action plans, ongoing issue status tracking, and oversight of issue validation
Required Qualifications:
Minimum 8 years of commercial credit experience (credit review, 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
Desired Qualifications:
Internal Credit Review / Credit Risk Review
Bachelor’s Degree
Skills:
Financial Analysis
Due Diligence
Loan Structuring
Underwriting
Business Acumen
Credit and Risk Assessment
Critical Thinking
Portfolio Analysis
Issue Management
Stakeholder Management
Analytical Thinking
Executive Presence
Influence
Collaboration
Regulatory Compliance
Relationship Building
Written Communications
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