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About the Role

The role sits within the Global Markets Credit ("GMC") group within the Enterprise Credit organization. Global Markets Credit ("GMC") is responsible for executing robust and consistent credit underwriting for Global Markets lending activities within the first line of defense. This financing activity includes facilities secured by a range of financial and physical assets. Within GMC, the Specialty Finance Director will undertake core credit underwriting and ongoing portfolio management for a portfolio of structured financing opportunities. Financed asset classes will include Private Credit loans, NAV financing, Equities, Hedge Fund shares and Commercial Real Estate loans. The portfolio is a substantial book with active deal flow. Client types include leading private credit and private equity sponsors. The Director will work closely with both senior and junior team members within the GMC Specialty Finance team as well as other constituents within GMC. The role will coordinate closely with the front office team and various risk partners to help drive responsible loan growth.

Responsibilities

Deal screening
Providing input into the negotiation of key terms
Participating in due diligence
Managing credit committee processes
Reviewing and potentially challenging all elements of transactions including client selection, structure, collateral, and cashflow stress analysis
Ongoing deal and portfolio monitoring
Exercising credit approval authority for new deals, amendments, waivers, renewals, and extensions
Leading the preparation and review of credit approval memos
Guiding junior deal team members
Coordinating with global peers
Driving periodic reporting requirements
Policy and procedure updates
Risk rating scorecard development
Responding to regulatory inquiries
Managing limit requests
Driving the adoption of AI related tools
Other ad hoc projects

Requirements

7+ years of experience in financial services
Relevant prior experience may include roles in credit risk management, credit underwriting, structuring, loan origination, public rating agencies, and securitization markets
Familiarity with securitization structures and an understanding of macroeconomic drivers
Experience of reviewing lending or debt transactions including securitization or collateral based lending facilities and derivatives
Strong analytical skills, personal drive, individual initiative, a sense of urgency, and responsiveness, with a desire to grow, learn, and take on increasing levels of responsibility
Strong organizational, oral, and written communication skills, with ability to communicate effectively with all levels of risk, support, and business partners
Strong team player, willing to support more junior members of the team as required
Proficiency with Word, Excel and PowerPoint
Ability to quickly learn new programs and applications including leveraging AI tools
High level of attention to detail

Skills

Finance
Accounting
Economics
Credit risk management
Credit underwriting
Structuring
Loan origination
Public rating agencies
Securitization markets
Securitization structures
Macroeconomic drivers
Lending or debt transactions
Derivatives
Analytical skills
Personal drive
Individual initiative
Sense of urgency
Responsiveness
Organizational skills
Oral communication skills
Written communication skills
Team player
Word
Excel
PowerPoint
AI tools

Location

Work Type

In-office culture
Hybrid

Experience Level

7+ years of experience

Education Level

Bachelor degree or equivalent required
Finance, Accounting, or Economics majors preferred with strong academic credentials

Benefits

UK 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
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
20 days of back-up childcare including access to school holiday clubs and 20 days of back-up adult care per annum
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.
Access to an emotional wellbeing helpline, mental health first aiders and virtual GP services
Access to an Employee Assistance Program for confidential support and help for everyday matters
Ability to donate to charities of your choice directly through payroll and the bank will match your contribution
Opportunity to access our Arts & Culture corporate membership program and receive discounted entry to some of the UK’s most iconic cultural institutions and exhibitions
Opportunity to give back to your community, develop new skills and work with new groups of people by volunteering in your local community

About the Company

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection.
We drive Responsible Growth and deliver 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.
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.
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 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.
Partnering Locally Learn about some of the ways Bank of America is making a difference in the communities we serve.
Global Impact Learn about the six areas that guide Bank of America’s efforts to help make financial lives better for customers, clients, communities and our teammates.
Opportunity and Inclusion Each employee brings unique skills, background and opinions.
We see opportunity and inclusion as our platform for innovation and a key component in our success.
Our Values Learn about our four values that represent what we believe.

Equal Opportunity

We are an equal opportunities employer and ensure that no applicant is subject to less favourable treatment on the grounds of gender, gender identity or gender reassignment, marital or civil partner status, race, religion or belief, colour, nationality, ethnic or national origins, membership of the Traveller community, age, sexual orientation, pregnancy or maternity, civil status, socio-economic background, family status 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.