Credit Review Senor Portfolio Specialist

Credit Review Senor Portfolio Specialist Charlotte, North Carolina;Dallas, Texas; Chicago, Illinois

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• To proceed with your application, you must be at least 18 years of age.
• Acknowledge (https://ghr.wd1.myworkdayjobs.com/Lateral-US/job/Charlotte/Credit-Review-Senor-Portfolio-Specialist\_26017551)
• Bank of America employees are required to meet all
• posting eligibility requirements
• prior to applying for any new position.
• Acknowledge (https://ghr.wd1.myworkdayjobs.com/Lateral-US/job/Charlotte/Credit-Review-Senor-Portfolio-Specialist\_26017551)

• 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. 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.

• Position Summary:

• The Commercial Horizontal Portfolio Specialist (PS) provides ongoing monitoring coverage of specific portfolios, products, and/or risks that span multiple commercial FLUs through interaction with senior business unit and Risk executives, preparation of quarterly Business Assessment Reports and Coverage Plans, and execution of credit transaction testing.

The PS establishes working relationships with relevant FLU and Risk partners to facilitate ongoing dialogue of key issues and emerging risks. Additionally, this role can serve as Examiner-in-Charge (EIC) or Assistant Examiner-in-Charge (AEIC) for Credit Review examinations, which involves managing a team of examiners to ensure accurate and timely execution of exams. The Commercial Horizontal PS will also have a process ownership role and will be responsible for driving continuous improvement across exam and monitoring processes to ensure they are efficient and effective. This will include reviewing existing workflows, identifying opportunities to reduce manual effort, enhancing consistency, and improving execution quality while partnering with key stakeholders across Credit Review to implement sustainable process enhancements. Additionally, the PS will play a key role in advancing the incorporation and adoption of AI-enabled tools and data analytics into existing processes to expand coverage, deepen insights, and strengthen Credit Review's overall assurance capabilities.

• 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 + Establishes and executes risk-based coverage plans for specific horizontal commercial portfolios, products, and risks + Works with Credit Review management to identify needed process enhancements, including areas where the incorporation of AI-enabled tools can enhance process effectiveness and/or efficiency + Leads the development and implementation of process improvements •

Required Qualifications:

• + 8 + years Extensive commercial credit-related experience, including experience in credit risk management, lending and/or regulatory agencies + Excellent credit analysis skills + Process improvement/process management experience + Excellent verbal and written communication skills + Strong interpersonal and leadership skills + Strong data manipulation and analysis skills + Ability to support conclusions through fact-based analysis and ability to influence senior leaders + Ability to manage multiple complex tasks while delivering high quality results + Works independently and takes initiative + Resourcefulness in identifying, assessing, and reporting on emerging risks + Proficiency in Excel + Ability to work in a team environment, focus on high quality execution + Critical thinker, high energy and intellectually curious •

Desired Qualifications:

• + Exposure to Credit Review monitoring and examination processes + Proficient with AI-enabled tools + Effective process assessment skills - the ability to identify control gaps and their implications to the broader population + Strong project management skills and highly organized; ability to lead process and people + Strong presentation skills

• Skills:

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

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• 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.