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Bank Of America Credit Review Senior Examiner United States, North Carolina, Charlotte 991487452
Job Description:
Job Description:
Through examinations and monitoring, Credit Review provides an independent assessment of credit decisions 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.
Participates in credit review examinations and continuous testing activities across various commercial credit portfolios within Enterprise Credit. The Sr. Examiner will work with examination teams to assess the quality of credit decisioning, portfolio management, risk recognition practices and the effectiveness of credit management processes. This individual will also assist in the continuous testing of various portfolios by performing transaction reviews of new and existing clients to evaluate appropriateness of client selection, adherence to underwriting expectations, quality of ongoing monitoring and risk rating accuracy to proactively identify emerging risks and their impact on portfolio credit quality. The Sr. Examiner is generally tasked with the review of more complex transactions. Lastly, may be asked to lead special projects in addition to testing responsibilities. This specific role will support ongoing testing and assessments of Structured Financing Transactions and Counterparty Credit Risk within Global Markets portfolios such as Asset backed Securitization, Hedge Funds, Asset Managers, Equities, Central Counterparties etc. Additional coverage areas may include US and International Financial Institutions.
Required Skills:
- Minimum 8 years of commercial credit experience (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
- Financial Analysis
- Internal Audit Review
- Loan Structuring
- Research Analysis
- Underwriting
- Business Acumen
- Credit and Risk Assessment
- Critical Thinking
- Issue Management
- Risk Management
- Collaboration
- Due Diligence
- Regulatory Compliance
- Relationship Building
- Written Communications
Desired Skills:
- 10+ years of direct commercial credit experience
- Demonstrated experience in identifying, assessing and reporting on existing and emerging risks
- Experience with direct applicability to Credit Review responsibility
- Ability to coach/mentor new or less experienced associates
- Strong Counterparty Credit Risk background and/or Global Markets experience
Minimum Education Requirement:
- Bachelor’s Degree with a preference in finance, accounting, economics or other business concentration
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