Credit Review Senior Examiner

Credit Review Senior Examiner Charlotte, North Carolina;Newark, Delaware; East Hartford, Connecticut; Plano, Texas; Pennington, New Jersey; Boston, Massachusetts; Providence, Rhode Island **To proceed with your application, you must be at least 18 years of age.** Acknowledge ( **Bank of America employees are required to meet all** **posting eligibility requirements** **prior to applying for any new position.** Acknowledge ( Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge ( **Bank of America employees are required to meet all** **posting eligibility requirements** **prior to applying for any new position.** Acknowledge ( **Job Description:** **Position Summary:** 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 in order to support team goals related to exam activities, issues management, reporting etc. This specific role will support ongoing testing and assessments of structured transactions and counterparty credit risk within Global Markets, Financial Institutions and Global Wealth and Investment Management portfolios. Provides expertise, advice and counsel based on advanced business and/or credit review experience to a complex business and/or across several business groups. Provides leadership for projects and team activities. Functional responsibilities include establishing Monitoring Plans for assigned credit portfolio, assessing associated Level and Direction of Risk ratings and acting as Examiner-in-Charge/EIC. Proactively implements credit review strategy for the sound application of risk based practices by defining scope, program, and review and exam procedures. Exercises judgment and influences senior business managers and peers. Drives completion of credit issues. Helps business partners balance their business strategy with appropriate risk management controls. Contributes to the development, implementation and communication of Credit Review's missions, goals and strategies. Interacts with regulatory agencies, external consultants and other internal risk management groups. Assesses and advises on the impact of industry-level, geo-political and economic trends to credit portfolios. **Responsibilities:** + Performs transactional testing of credit process execution of new and existing clients + Supports conclusions through fact-based analysis, proposing suggestions and influencing senior leaders + Participates in examination activities, occasionally leading exams + Identifies, assesses and reports on existing and emerging risks + Drive a culture of continuous improvement by leading or participating in complex or multiple projects + Achieve continuous testing goals by producing quality, timely work + Maintain well-written, easy to follow work papers in accordance with Credit Review guidelines and best practices + Raise potential areas of concern for QA team to review + Actively engage with Corporate Audit to ensure ongoing awareness of review activity, coordination, and ongoing risk assessment + Support enterprise initiatives related to operational excellence and adoption of AI tools to continuously improve our work processes **Required Qualifications:** + 10+ years of direct commercial credit experience + Bachelor's Degree with a preference in finance, accounting, economics or other business concentration + Solid, 5+ years experience 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. + Expert Financial Analysis Skills + Deep knowledge of Loan Structuring and underwriting + Experienced in Credit and Risk Assessment + Issue Management and Resolution + A strong knowledge of Regulatory Compliance + Excellent skills in building and maintaining business relationships. **Desired Qualifications:** + 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 preferred **Skills:** + 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 **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. 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