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Bank Of America Credit Risk Officer - Corporate/Commercial United States, California, San Francisco 943935221
Job Description:
Job Description:
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.
Job Responsibilities:
The Credit Risk Officerwill be responsible for managing a portfolio of 15-20 corporate clients which, in addition to the above, includes: conducting financial analysis; tracking portfolio company performance and assessing ongoing creditworthiness; and assisting in the origination, negotiation and structuring of senior bank debt and related credit products. You will be expected to build extensive knowledge of each client drawing upon in-depth research and industry expertise. As a member of Enterprise Credit, you will work closely with professionals throughout 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). Responsibilities also include qualitative and quantitative due diligence on industry and company factors. Additional responsibilities are as follows:
- 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
- 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
Required Qualifications:
- 7+ years Commercial/Corporate bankingrisk and/or analysis experience
- Understanding of basic accounting
- Working knowledge of corporate finance
- Strong business writing skills
Desired Qualification:
- Bachelors Degree
- Foundational understanding of legal credit agreements
- Ability to coach junior teammates
- Working knowledge of ancillary bank products (treasury, cash management, derivatives, etc.)
- Specific experience within Technology, Media, Telecom & Gaming a bonus
Skills:
- Credit and Risk Assessment
- Financial Accounting
- Issue Management
- Portfolio Analysis
- Risk Analytics
- Attention to Detail
- Business Intelligence
- Collaboration
- Interpret Relevant Laws, Rules, and Regulations
- Regulatory Compliance
- Oral Communications
- Presentation Skills
- Prioritization
- Project Management
- Written Communications
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