Credit Review Senior Portfolio Specialist Charlotte, North Carolina;Atlanta, Georgia; East Hartford, Connecticut; Providence, Rhode Island; Wilmington, Delaware **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 is core to how we drive Responsible Growth. This includes our commitment to being a diverse and inclusive workplace, attracting and developing exceptional talent, supporting our teammates’ physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. 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. 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.We are looking for a Portfolio Specialist to join our dynamic, high-energy Credit Review team supporting review of Global Commercial Banking portfolios. 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. **Responsibilities:** + Either individually or working with Portfolio Manager(s), establish and execute a risk-based coverage plan for specificportfolio(s). CoveragePlan to include, at a minimum, examinations, transaction reviews, risk assessments and issue management + Serve as subject matter expert for and/or lead risk-based and regulatory examinations + Perform transactional testing of credit process execution of new and existing clients, and provide direct and timely feedback on transactional reviews completed by others + Effectively assimilate information from various sources to identify emerging risks + Provide input into staffing and resource allocations + Build and implement tactical on-boarding plans for new examiners + Provide periodic updates to business heads and executive management, including communication of examination and monitoring results, new issues and emerging risks + Issue management, including recommendations of issue severity ratings, action plans, ongoing issue status tracking and oversight of issue validation + Track and follow observations from exams/monitoring that don’t yet rise to the level of issues + Actively engage with Corporate Audit to ensure ongoing awareness of review activity, coordination, and ongoing risk assessment + Actively participate in regulator meetings, liaise with regulators to provide periodic updates on monitoring/exam results, and respond to inquiries from regulators and other external reviewers + Provide input to top of house reporting for Board and senior management + 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 + Raise potential areas of concern for QA team to review **Skills:** + Extensive commercial credit related experience, including deep understanding of large or complex portfolios. + Experience in risk management, lending and/or regulatory agencies + Excellent credit analysis and project management skills, excellent verbal and written communication, strong interpersonal and leadership skills + Data manipulation and analysis skills + Effective process assessment skills - the ability to identify control gaps and their implications to the broader population + 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 + Experience navigating a matrix organization + Independent and takes initiative + Resourcefulness in identifying, assessing, and reporting on emerging risks + Experience with a Credit Review examination process + Proficiency in Excel + Ability to work in a team environment, focus on high quality execution + Critical thinker, high energy and intellectually curious + Experience with leading without authority + Ability to coach and develop more junior associates **Required:** + Minimum of 8 – 10 years of commercial credit experience (direct lending, underwriting, workout, credit review, 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 + Bachelor’s Degree with a preference in finance, accounting, economics or other business concentration **Desired:** + 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 responsibilities + Ability to coach/mentor new or less experienced associates **Other Skills:** + Credit Review Planning + Financial Analysis + 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 and affirmative action, 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. To view the "Know your Rights" poster, CLICK HERE (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12.pdf) . 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. To view Bank of America’s Drug-free Workplace and Alcohol Policy, CLICK HERE . 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.