Corporate Credit Officer-Healthcare

　　Charlotte, North Carolina

　　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. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day.

　　One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We’re devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being.

　　Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization.

　　Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us!

　　Job Description:

　　This job is responsible for analyzing credit and investigating existing and prospective clients and counterparts. Key responsibilities include focusing on but not limited to credit, market, and reputational risk; as well as adherence or monitoring of credit risk policies, risk appetite, and reporting, including but not limited to Top of House (TOH) and Line of Business (LOB) specific reports or regulatory related reporting.

　　Responsibilities:

　　Sets or supports the oversight of the ongoing management of risk parameters and guardrails for credit risk while ensuring adherence to risk appetite/limits, and actively inspects and/or designs risk scenarios to implement decisions

　　Supports the credit approval process and therefore is accountable for overall portfolio performance and asset quality, including underwriting, structuring and monitoring tasks

　　Conducts analysis, inspects and/or develops credit risk reporting for specific products, and monitors and reports on key indicators for changes in credit quality to communicate to senior management

　　Ensures adherence to policy and standards and performs due diligence that the risk is within the bank's defined risk appetite, using knowledge of stress testing and its applicability to credit risk

　　Supports monitoring of adherence to industry risk governance, as well as monitoring for potential operational, reputational and market risk issues

　　Identifies risks early that could impact the assigned portfolio and coordinates with business counterparts to resolve portfolio issues

　　Primary credit responsibility for a portfolio of Global Corporate Investment Banking (GCIB) clients in the Healthcare sector

　　Structuring complex transactions and negotiating credit documentation to mitigate risk appropriately

　　Independently assess new credit request, balance risk/return and make justifiable recommendations

　　Lead new credit request, amendments and annual reviews through the internal approval process with risk partners

　　Effectively manage deteriorating credits through creative loss mitigation strategies and effective amendment solutions

　　This position can be filled as a Credit Risk Officer or GCIB GMC Associate

　　Required Skills:

　　Credit and Risk Assessment

　　Financial Accounting

　　Issue Management

　　Portfolio Analysis

　　Risk Analytics

　　Attention to Detail

　　Business Intelligence

　　Collaboration

　　Interpret Relevant Laws, Rules, and Regulations

　　Regulatory Compliance

　　6+ years of experience in commercial and/or corporate credit underwriting with a deep understanding of the syndicated loan, trading & treasury products for the Credit Risk Officer role

　　3+ years of experience in commercial and/or corporate credit underwriting with an understanding of the syndicated loan, trading & treasury products for the GCIB GMC Associate role

　　Minimum Education Requirement: BA degree in Finance or Related Major

　　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 "EEO is the Law" poster, CLICK HERE (https://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf) .

　　To view the "EEO is the Law" Supplement, CLICK HERE (https://www.dol.gov/ofccp/regs/compliance/posters/pdf/OFCCP_EEO_Supplement_Final_JRF_QA_508c.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 .