Credit Review Senior Examiner

Credit Review Senior Examiner Location: Charlotte, North Carolina; Dallas, Texas; Chicago, Illinois Job Description: This role is responsible for performing transaction reviews, including assessing the quality of credit decisions, managing portfolios, and evaluating the effectiveness of credit management processes. Key responsibilities include participating in credit review examinations and continuously testing activities across various portfolios within Enterprise Credit to evaluate credit strategies. Job expectations include supporting conclusions through fact‑based analysis, influencing senior leaders, and leading special projects. 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, identifying risks and reporting findings to stakeholders. Responsibilities Performs transactional testing of credit process execution for 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. Drives a culture of continuous improvement by leading or participating in complex or multiple projects. Achieves continuous testing goals by producing quality, timely work. Maintains well‑written, easy‑to‑follow work papers in accordance with Credit Review guidelines and best practices. Raises potential areas of concern for QA team to review. Actively engages with Corporate Audit to ensure ongoing awareness of review activity, coordination, and ongoing risk assessment. Supports enterprise initiatives related to operational excellence and adoption of AI tools to continuously improve work processes. Required Qualifications Bachelor’s Degree with a preference in finance, accounting, economics or other business concentration. Solid, time‑served commercial credit experience (direct lending, workout, risk management and/or regulatory). Ability to support conclusions through fact‑based analysis and 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. Experience in credit and risk assessment. Issue management and resolution. Strong knowledge of regulatory compliance. Excellent skills in building and maintaining business relationships. Desired Qualifications 10+ years of direct commercial credit experience. Demonstrated experience in identifying, assessing, and reporting on existing and emerging risks. 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. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. View your “Know your Rights” poster. View the LA County Fair Chance Ordinance. #J-18808-Ljbffr