Credit Risk Officer

1 week ago

Dublin, Dublin City, Ireland Bank of America Full time

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

The Team:

The Enterprise Credit and Global Banking Risk team based in Dublin is part of the EMEA Enterprise Credit Risk function with operations in London, Dublin, and Paris. A second line risk function providing support and oversight to the 1st line of defence.

Role Description:

This position has primary responsibility for credit approval and therefore is accountable for overall portfolio performance and asset quality. Your role involves handling a portfolio of European Corporates. You will partner with senior ECGBR colleagues to support the portfolio and work with Enterprise Credit ('EC', 1st line of defence credit team) in supporting our European client base. Your role will involve building and maintaining legal entity and portfolio-level reporting routines as well as contributing to regulatory deliverables.

Responsibilities:
  1. Reviewing credit proposals, new transactions, sanctioning exposure/limits for portfolio clients within appropriate risk parameters under delegated authority; product types covered include lending, RCFs, FX, derivatives, repo, GTS facilities, and commodities.
  2. Providing feedback to GCIB Credit/GMC (Enterprise Credit) on new client/transaction screenings in order to influence outcomes in line with credit risk limits, including appropriate transactions structures.
  3. Identifying and monitoring top down emerging risk trends within the portfolio and devise action plans for mitigation where appropriate.
  4. Building and maintaining portfolio-level reporting routines which cover key movements in portfolio sensitivities, exposure changes and credit rating migrations.
  5. Getting involved in regulatory deliverables and other ad-hoc legal entity tasks which require credit risk input.
What we are looking for:
  1. Credit risk management coverage of a portfolio of European Corporates.
  2. Experience with operating under delegated approval authority.
  3. Solid familiarity with product suite, including loan and derivative products, and legal documentation (facility agreement, ISDA/CSA, GMRA, GMSLA).
  4. Experience in discussing multi-faceted structures with corporate and investment banking, sales and trading.
Nice to have:
  1. Ability to work in a demanding, fast-paced environment in a variety of different situations; grasp of highly detailed structures.
  2. Highly motivated individual with a passion for continued learning.
  3. Proficient in using Microsoft Word, Excel and PowerPoint software for presentations.
Benefits of working at Bank of America:
  1. Private healthcare for you and your family plus an annual health screen to help you manage your physical wellness with the option to purchase a screen for your partner.
  2. Competitive pension plan, life assurance and group income protection cover if you become unable to work as a result of a disability or health reasons.
  3. 20 days of back-up childcare and 20 days of back-up adult care per annum.
  4. The ability to change your core benefits as well as the option of selecting a variety of flexible benefits to suit your personal circumstances including access to a wellbeing account, travel insurance, critical illness etc.
  5. Access to an Employee Assistance Program for confidential support and help for everyday matters.
  6. Access to free counselling through the Employee Assistance Program and virtual GP services through our private health care plan.
  7. Ability to donate to charities of your choice and the bank will match your contribution.
  8. Opportunity to access our Arts & Culture corporate membership program and receive discounted entry to some of Ireland's most iconic cultural institutions and exhibitions.
  9. Opportunity to give back to your community, develop new skills and work with new groups of people by volunteering in your local community.
Bank of America:

Good conduct and sound judgment is crucial to our long term success. It's important that all employees in the organisation understand the expected standards of conduct and how we manage conduct risk. Individual accountability and an ownership mind-set are the cornerstones of our Code of Conduct and are at the heart of managing risk well.

We are an equal opportunities employer and ensure that no applicant is subject to less favourable treatment on the grounds of sex, gender identity or gender reassignment, marital or civil partner status, race, religion or belief, colour, nationality, ethnic or national origins, age, sexual orientation, pregnancy or maternity, socio-economic background, responsibility for dependants or physical or mental disability. The Bank selects candidates for interview based on their skills, qualifications, and experience.

We strive to ensure that our recruitment processes are accessible for all candidates and encourage any candidates to tell us about any adjustment requirements.

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