Credit Review Senior Portfolio Specialist (Counterparty Credit Risk) Charlotte, North Carolina;Newark, Delaware; East Hartford, Connecticut; Plano, Texas; Pennington, New Jersey; Boston, Massachusetts; Providence, Rhode Island

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• Job Description:

• At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection.

We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates' physical, emotional, and financial wellness through affordable, competitive and flexible benefits. We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve. Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!

• Job Description:

• This job is responsible for working with Portfolio Manager(s) to establish and execute a risk based coverage plan for a specific portfolio or set of portfolios.

Key responsibilities include leading examinations as an Examiner-in-Charge or Assistant Examiner-in-Charge, executing transaction reviews, secondary reviews of transactional testing completed by others, and issues management. Job expectations includes managing field work capacity for exams to ensure accurate and timely execution of Credit Review examinations including work product of new or less experienced team members.

• Position Summary:

• 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.

The Portfolio Specialist works together with the Credit Review Portfolio Manager(s) to establish and execute a risk-based coverage plan for a specific portfolio(s) or set of portfolios for assessing the quality of credit decisioning and the effectiveness of credit processes and policies. Key responsibilities include executing transaction reviews, leading examinations as an Examiner-in-Charge (EIC) or Assistant Examiner-in-Charge (AEIC), secondary reviews of transaction testing completed by other examiners and issues management. Manages field work capacity for exams to ensure accurate and timely execution of Credit Review examinations. Coaches, mentors, and reviews the work product of new or junior team members. Establishes working relationships with relevant Risk and regulatory partners to facilitate ongoing dialogue of key issues and emerging risks. Additionally, assist the Portfolio Manager(s) in preparing quarterly Business Assessment Reports and Coverage Plans; maintains awareness of current economic trends and its impact on credit portfolios. We are looking for a Portfolio Specialist to join our dynamic, high-energy Credit Review team supporting review of credit portfolios consisting of Counterparty Credit Risk exposure (e.g., Hedge Funds, Asset Managers, Central Counterparties etc.) and Structured Financing Transactions globally.

• Responsibilities:

• + Participates in exam activities and/or periodically serves as an Examiner-in-Charge , Assistant Examiner-in-Charge or Examiner + Performs transactional testing of credit process execution for new and existing clients, providing direct and timely feedback on transactional reviews + Provides assistance on portfolio reporting as needed and engages in stakeholder discussions alongside the Portfolio Manager + Tracks and follows observations from exams and testing + Provides regulator updates on results, and responds to inquiries + Engages with Corporate Audit to ensure ongoing awareness of review activity, coordination, and ongoing risk assessment + Manages issues, including approval of issue severity ratings, action plans, ongoing issue status tracking, and oversight of issue validation + Drive a culture of continuous improvement by leading or participating in complex or multiple projects + Produce quality, timely work + Maintain well-written, easy to follow work papers in accordance with Credit Review guidelines and best practices •

Required Qualifications:

• + Minimum of 8 - 10 years of commercial credit experience (direct lending, underwriting, workout, credit review, risk management, and/or regulatory) + Solid understanding of counterparty credit risk concepts such as limits framework, exposure metrics, margin practices, risk sensitivities, stress testing, trading agreements (ISDA/CSA) etc.

+ Ability to support conclusions through fact-based analysis and ability to influence senior leaders + Excellent credit analysis, project management and leadership skill + Experience in risk management, lending and/or regulatory agencies + Strong organizational and communication skills, both written and verbal + Ability to manage multiple complex tasks while delivering high quality results + Data manipulation and analysis skills + Experience with leading without authority + Bachelor's Degree with a preference in finance, accounting, economics or other business concentration

• Desired Qualifications:

• + 10+ years of direct counterparty credit risk, market risk, or credit portfolio management experience, preferably within Hedge Funds, Prime Brokerage or Regulated Funds businesses + 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 + Proficiency in Excel + Experience using AI tools to enhance productivity and workflow efficiency •

Skills:

• + Audit Planning + Financial Analysis + Internal Audit Review + Risk Management + Underwriting + Business Acumen + Credit and Risk Assessment + Critical Thinking + Issue Management + Portfolio Analysis + Analytical Thinking + Regulatory Compliance + Relationship Building + Stakeholder Management

• 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 (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12.pdf) " poster. View the LA County Fair Chance Ordinance (https://dcba.lacounty.gov/wp-content/uploads/2024/08/FCOE-Official-Notice-Eng-Final-8.30.2024.pdf) . Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason. Investment products offered through MLPF&S and insurance and annuity products offered through

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• Member SIPC
• and a wholly owned subsidiary of BofA Corp.

Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation. Trust, fiduciary and investment management services are provided by Bank of America, N.A., Member FDIC and wholly owned subsidiary of Bank of America Corporation ("BofA Corp."). Bank of America Private Bank is a division of Bank of America, N.A. Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. © 2026 Bank of America Corporation. All rights reserved.