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About the Role
This role within Global Markets Credit (GMC) focuses on credit underwriting and portfolio management for the EMEA asset-backed securitization finance (ABSF) portfolio. You will work with various teams to support responsible loan growth and manage a portfolio secured by diverse consumer and commercial assets.
Responsibilities
- Participate in transaction screening, term negotiation, and due diligence.
- Manage the credit approval process.
- Review and question all transaction elements, including structure, collateral, and cashflow stress analysis.
- Monitor deals and portfolios post-close.
- Exercise credit approval authority for amendments, waivers, renewals, and extensions.
- Assist in preparing and reviewing credit approval memos.
- Support periodic reporting requirements, policy updates, risk rating maintenance, and regulatory inquiries.
- Handle limit requests and ad hoc projects.
Requirements
- Bachelor's degree in Finance, Accounting, or Economics preferred with excellent academic credentials.
- Prior experience in financial services, such as credit risk management, credit underwriting, structuring, loan origination, or public rating agencies.
- Familiarity with securitization structures and macroeconomic drivers.
- Experience reviewing lending or debt transactions, including securitization, collateral-based lending facilities, and derivatives.
- Excellent analytical skills, personal drive, initiative, and responsiveness.
- Desire to grow, learn, and take on increasing responsibility.
- Highly organized with excellent oral and written communication skills.
- Ability to communicate effectively with all levels of risk, support, and business partners.
- Excellent team collaboration skills, with willingness to support junior team members.
- Proficiency with Word, Excel, and PowerPoint.
- Ability to quickly learn new programs and applications.
- High level of attention to detail.
Skills
- Securitization structures
- Macroeconomic drivers
- Lending or debt transactions
- Collateral-based lending facilities
- Derivatives
- Analytical skills
- Communication skills
- Team collaboration
- Microsoft Word
- Microsoft Excel
- Microsoft PowerPoint
Location
- London
- Paris
Work Type
- Full-time
Experience Level
- Prior experience in financial services
- Experience reviewing lending or debt transactions
Education Level
- Bachelor's degree in Finance, Accounting, or Economics preferred
Benefits
- Private healthcare for you and your family
- Annual health screen
- Competitive pension plan
- Life assurance
- Group income protection cover
- 20 days of back-up childcare
- 20 days of back-up adult care
- Flexible benefits options
- Wellbeing account
- Travel insurance
- Critical illness cover
- Emotional wellbeing helpline
- Mental health first aiders
- Virtual GP services
- Employee Assistance Program
- Charitable giving matching contributions
- Arts & Culture corporate membership program
- Volunteering opportunities
- Competitive retirement plan
- Mandatory Medical Plan (top-up to Social Security)
- Free health advice 24/7
- Life and disability insurance
- Time Savings Account (CET)
- Commuter pass reimbursement
- Nursery scheme for children under age 3
- Works council benefits
- Free entry to sponsored arts exhibitions in Paris
About the Company
- Bank of America is guided by a common purpose to help make financial lives better through the power of every connection.
- Responsible Growth is how the company operates and delivers for clients, teammates, communities, and shareholders.
- The company is devoted to being a diverse and inclusive workplace.
- Bank of America hires individuals with a broad range of backgrounds and experiences and invests in teammates and their families with competitive benefits.
- The company believes in the importance of working together and offering flexibility.
- Working at Bank of America offers career opportunities to learn, grow, make an impact, and make a difference.
Equal Opportunity
- Bank of America is an equal opportunities employer and ensures 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.
- The company strives to ensure that its recruitment processes are accessible for all candidates and encourages candidates to communicate any adjustment requirements.