Explore numerous credit job opportunities. Credit roles are available across various sectors, including finance, banking, and retail. These positions involve managing credit risk, analyzing financial data, and ensuring compliance with regulations. Professionals in credit jobs assess creditworthiness, develop credit policies, and handle customer accounts.638 Credit jobs in the United Kingdom
Credit Risk Analyst
Posted today
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Job Description
Our client is an international corporate organisation, actively involved in International Trade & Development, based in Central London.
This role will work as part of the Metals and Minerals trading division and will work to cover a Maternity Period for a minimum of 12 month on a Fixed Term basis; working on a full hybrid basis.
The role of Credit Risk Analyst is responsible to prepare risk assess.
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Credit Risk Analyst
Posted today
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Credit Risk Analyst
Maternity Cover Temporary Contract 1-Year
JOB SUMMARY
The role ofCredit Risk Analyst is responsible to prepare risk assessment and credit recommendations in support of existing and new business, as well as to monitor credit exposure. The role is also responsible for reviewing trading contracts and other legal documents.
DUTIES AND RESPONSIBILITIES
- Analyse financial statements and pr.
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Credit Risk Analyst
Posted 13 days ago
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Job Description
Updraft is an award winning, FCA-authorised, high-growth fintech based in London. Our vision is to revolutionise the way people spend and think about money, by automating the day to day decisions involved in managing money and mainstream borrowings like credit cards, overdrafts and other loans.
- A 360 degree spending view across all your financial accounts (using Open banking)
- A free credit report with tips and guidance to help improve your credit score
- Native AI led personalised financial planning to help users manage money, pay off their debts and improve their credit scores.
- Intelligent lending products to help reduce cost of credit
We have built scale and are getting well recognised in the UK fintech ecosystem.
- 800k+ users of the mobile app that has helped users swap c £500 m of costly credit-card debt for smarter credit, putting hundreds of thousands on a path to better financial health
- The product is highly rated by our customers. We are rated 4.8 on Trustpilot, 4.8 on the Play Store, and 4.4 on the iOS Store.
- We are selected for Technation Future Fifty 2025 – a program that recognizes and supports successful and innovative scaleups to IPOs - 30% of UK unicorns have come out of this program.
- Updraft once again featured on the Sifted 100 UK startups - among only 25 companies to have made the list over both years 2024 and 2025.
We are seeking a skilled Retail Credit Risk Analyst with 3+ years of experience in the UK credit markets, specifically within personal loans for debt consolidation. The successful candidate will play a critical role in assessing, monitoring, and optimising credit risk strategies to ensure a balanced approach between risk management and business growth.
Key Responsibilities:
- Conduct portfolio analytics to assess risk trends, customer behavior, and loan performance.
- Analyze credit data, customer profiles, and market trends to enhance underwriting criteria.
- Work closely with stakeholders to optimize credit policies and improve lending strategies.
- Utilize statistical and machine learning techniques to support data-driven risk assessment methodologies.
- Monitor key performance indicators (KPIs) related to loan approvals, delinquencies, and charge-offs.
Requirements
Required Skills & Experience:
- 3+ years of experience in a credit risk role, preferably within personal loans and debt consolidation in the UK.
- Strong understanding of credit scoring models, risk analytics, and lending strategies.
- Relevant experience in working on UK credit bureau data and leveraging it for credit risk analysis.
- Experience or familiarity with end-to-end life cycle of a retail loan portfolio.
- Proficiency in SQL and Python for data analysis and risk modeling.
- Experience working with decision engines and credit risk platforms.
- Strong analytical skills with the ability to translate data insights into business decisions.
- Excellent communication and stakeholder management abilities.
Preferred Qualifications:
- Experience in alternative data usage for credit risk evaluation.
- Familiarity with Open Banking and fintech lending platforms.
- Bachelor’s or Master’s degree in Finance, Statistics, Mathematics, Economics, or a related field.
Benefits
- Pension Plan
- Paid Time Off
- Work From Home
- Training & Development
Credit Risk Analyst
Posted 17 days ago
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About Us
YouLend is a rapidly growing FinTech that is the preferred embedded financing platform for many of the world’s leading e-commerce platforms, tech companies, and Payment Service Providers. Our software platform enables our partners to extend their value proposition by offering flexible financing products in their own branding, to their merchant base, without capital at risk.
We are owned by the leading Private Equity company, EQT, and have grown +100% year-on-year since 2020. We are headquartered in London, UK, but are also present in several European countries as well as the United States where we service our partners, including eBay, Amazon, Just Eat, Shopify, and Stripe.
The Role
We are seeking a motivated and detail-oriented Credit Risk Analyst to join our Credit Risk team. The Credit Risk Analyst is responsible for developing and managing analytical tools to evaluate and monitor credit risk across portfolios, ensuring effective risk management strategies.
Requirements
- Risk Analysis : Utilising statistical techniques and data analysis to assess portfolio-level credit risk.
- Portfolio Monitoring : Identifying trends, risks, and opportunities across customer segments using advanced analytics.
- Policy and Strategy Development : Supporting the creation of credit risk policies, underwriting strategies, and pricing.
- Data-Driven Insights : Delivering actionable insights and recommendations to optimise risk-adjusted returns.
- Stakeholder Collaboration : Working with internal teams, including operations, product, finance, and compliance, to align risk management objectives with business goals.
Essential:
- Proficiency in SQL.
- Experience in credit risk
- Strong understanding of credit risk metrics (PD, LGD, EAD) and financial modelling.
- Experience with data visualization tools and techniques.
- Excellent analytical, problem-solving skills and attention to detail.
- Experience in European Markets (ideally France or Germany)
Desirable:
- Experience in SME lending
- Python
Benefits
Why join YouLend?
- Award-Winning Workplace: YouLend has been recognised as one of the “Best Places to Work 2024” by the Sunday Times for being a supportive, diverse, and rewarding workplace.
- Award-Winning Fintech : YouLend has been recognised as a “Top 250 Fintech Worldwide” company by CNBC.
We offer a comprehensive benefits package that includes:
- Stock Options
- Private Medical insurance via Vitality
- EAP with Health Assured
- Enhanced Maternity and Paternity Leave
- Modern and sophisticated office space in Central London
- Free Gym in office building in Holborn
- Subsidised Lunch via Feedr
- Deliveroo Allowance if working late in office
- Monthly in office Masseuse
- Team and Company Socials
- Football Power League / Padel League
Salary: £40,000 - 60,000 +10% annual bonus
At YouLend, we champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion decisions are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.
Credit Risk Analyst
Posted 23 days ago
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Job Description
Founded in 2011, Fasanara is a global asset manager and technology platform.
We manage c. USD 5 billion AUM (as of June, 2025) in Fintech strategies on behalf of pension funds and insurance companies in Europe and North America, and a mandate from the European Investment Fund (EIF).
We are a pioneer investor in Fintech Lending, enabling Real Economy Impact.
Fasanara manages one of the largest and longest standing Fintech Lending fund in Europe and invests in early-stage Fintech companies via its venture capital vehicles, using its central role in the Fintech ecosystem to identify and back revolutionary new businesses.
Our Culture
We are strong believers in meritocracy, and we seek to reward people based on impact and excellence. The environment is collaborative, entrepreneurial, and trust based. We set ambitious goals, work extremely hard, stress the importance of teamwork, and adhere to the highest level of excellence in everything we do. We are only as good as our team. Thus, we are building the firm around exceptional talent.
The role
We are seeking a proactive and detail-oriented Credit Risk Analyst to join our dynamic team. In this role, you will play a crucial part in managing credit risk reporting, monitoring exposures across diverse asset classes, and analysing the financial health of innovative fintech platforms. You will be empowered to make informed decisions on facility terms, collaborate with our Risk & Analytics team to develop cutting-edge AI-driven tools, and work closely with cross-functional teams to uphold risk standards. This position offers an excellent opportunity to grow your expertise in credit risk within a forward-thinking environment that embraces technology and collaboration. Join us to be part of a team that drives impactful risk management in a fast-evolving market.
Responsibilities:
- Manage regular credit risk reporting for internal stakeholders.
- Support ongoing monitoring and analysis of credit risk exposures across various asset classes.
- Perform analysis of financial profiles of fintech platforms.
- Make well-reasoned, justified decisions regarding potential exceptions to facility terms and conditions.
- Liaise with the Risk & Analytics team to support the development of advanced analytics and AI-based in-house tools.
- Collaborate confidently with origination, investment, and other teams to ensure that risk standards are maintained.
Requirements
- Bachelor’s degree in Finance, Economics, or a related field.
- 1–3 years of experience in credit (risk) analysis; experience with structured products is a plus.
- Confident ability to read and interpret financial statements prepared under different accounting standards.
- Proficiency in Microsoft Excel, Word and PowerPoint
- Strong analytical skills.
- Excellent written and verbal communication skills.
- Exceptional attention to detail.
Benefits
- Competitive bonus scheme.
- Bupa health & dental, Cycle to Work scheme, enhanced pension, and generous annual leave.
- Enhanced parental leave, special leave allowances, and charity giving options.
- Regular team events, legendary summer & Christmas parties, knowledge sharing sessions, and quarterly town halls.
- Team lunches, dinners, Friday drinks, team sport activities.
Credit Risk Analyst
Posted 270 days ago
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Job Description
About Us
YouLend is the preferred global embedded financing platform for many of the world’s leading e-commerce sites, tech companies and payment services providers such as Amazon, eBay, Shopify, Mollie, Dojo, Paysafe, Just Eat Takeaway and Takepayments. Our software platform and APIs enable our partners to offer flexible financing products, in their desired branding, to their merchant base. With YouLend's AI-driven credit risk assessment solutions, more merchants and SMEs than ever can receive fast, flexible and affordable funding. We operate in 9+ geographies across the UK, EU and the US.
We believe that the future of financial services will be delivered by customer-oriented tech companies that embed financing in their customer journeys, and we are building the solutions that will power that future.
The Role
We are seeking a motivated and detail-oriented Credit Risk Analyst to join our Credit Risk team. The successful candidate will support collections data analysis and contribute to strategy improvements aimed at optimising our collections and recoveries processes.
Requirements
- Collections Data Analysis: Analyse collections data to identify trends, patterns, and areas for improvement. Develop insights that will inform and enhance our collections strategies.
- Strategy Improvement: Collaborate with the Collections Operations team to design and implement strategies that optimise collections performance and reduce credit risk.
- Reporting: Prepare and present detailed reports on collections performance, highlighting key metrics and making data-orientated recommendations for strategic adjustments.
- Data Management: Ensure accuracy and integrity of collections data by maintaining and updating relevant databases and systems.
- Collaboration: Work closely with other departments, including Finance, Sales, Underwriting and Customer Service, to ensure cohesive and effective credit risk management practices.
Essential:
- Working knowledge of SQL
- Experience in credit collections
- Understanding of the SME collections process
Desirable:
- Experience building/managing collections strategies
- Working knowledge of Python.
- Experience working with Aircall and Hubspot
- Experience in revenue based financing (merchant cash advances),
- Experience using Companies House data
Benefits
Why join YouLend?
- Award-Winning Workplace: YouLend has been recognised as one of the “Best Places to Work 2024” by the Sunday Times for being a supportive, diverse, and rewarding workplace.
- Award-Winning Fintech : YouLend has been recognised as a “Top 250 Fintech Worldwide” company by CNBC.
We offer a comprehensive benefits package that includes:
- Stock Options
- Private Medical insurance via Vitality
- EAP with Health Assured
- Enhanced Maternity and Paternity Leave
- Modern and sophisticated office space in Central London
- Free Gym in office building in Holborn
- Subsidised Lunch via Feedr
- Deliveroo Allowance if working late in office
- Monthly in office Masseuse
- Team and Company Socials
- Football Power League / Squash Club
Salary: £60,000 - 80,000 +10% annual bonus
At YouLend, we champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion decisions are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.
Credit Risk Analyst
Posted 493 days ago
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Job Description
About Us
YouLend is a rapidly growing FinTech Company that is the preferred embedded financing platform for many of the world’s leading e-commerce sites, tech companies and payment services providers. Our software platform enables our partners to offer flexible financing products in their own branding to their merchant base without capital at risk.
We believe that the future of financial services will be delivered by customer-oriented tech companies that embed financing in their customer journeys, and we are building the solutions that will power that future.
The Role
We are looking to add a Credit Risk Analyst to the team who will evaluate the creditworthiness of potential borrowers, analyze financial data and credit scores to determine risks in lending. You will review and interpret complex financial statements and economic trends to advise on credit limits and risk mitigation strategies. The analyst will monitor the financial health of existing clients to anticipate and manage potential default risks. They also ensure that all lending activities comply with regulatory standards and internal policies. Through your analysis, you will support the decision-making process regarding loan approvals and risk management.
Requirements
- Design and maintain statistical models for the assessment of credit risk.
- Analyse large datasets to forecast financial outcomes and estimate risks.
- Perform stress testing and scenario analysis to assess potential impacts on credit portfolios.
- Provide insights and recommendations to manage credit risk exposure effectively.
- Compile and present analytical reports to senior management and key stakeholders.
You will need:
- A degree in Finance, Statistics, Economics, Mathematics, or a related field.
- Proficient in statistical analysis software and programming languages such as SQL, Python, or SAS.
- Strong understanding of credit risk metrics (PD, LGD, EAD) and financial modelling.
- Experience with data visualization tools and techniques.
- Excellent analytical, problem-solving skills and attention to detail.
Desirable:
- Experience in credit risk
Benefits
Why join YouLend?
At YouLend, we champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion decisions are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.
We offer comprehensive benefits package that includes:
- Stock Options
- Private Medical insurance via Vitality
- EAP with Health Assured
- Enhanced Maternity and Paternity Leave
- Modern and sophisticated office space in Central London
- Free Gym in office building in Holborn
- Subsidised Lunch via Feedr
- Deliveroo Allowance if working late in office
- Monthly in office Masseuse
- Team and Company Socials
- Football Power League / Squash Club
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Credit Analyst
Posted today
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A rapidly expanding financial services business in Salford is seeking a Credit Analyst to join their team on a permanent basis. The role involves analysing financial data, assessing client creditworthiness, preparing risk assessments, and supporting decision-making, while also contributing to process improvements. The company offers hybrid working, competitive salary, annual bonus, enhanced holida.
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Credit Risk Manager
Posted 23 days ago
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Job Description
The Credit Risk Manager is responsible for the day-to-day management of credit exposure across the group’s chartering, broking, financing, and other transactional activities. The Credit Risk Manager will be responsible for developing and maintaining credit limit protocols and individual counterparty limits, as well as management of interest-charging policy and practice, credit default identification, escalation, and reporting. The function requires close coordination with Finance colleagues on outstanding receivables and receipts, as well as with Legal on recoveries and commercial teams on mitigations and strategy.
Requirements
Key Responsibilities 1. Credit Risk Operations- Develop, implement, and maintain a robust credit risk policy accounting for counterparty types, transactions, regions, and sectors.
- Monitor and enforce credit limits for counterparties, ensuring compliance with internal thresholds.
- Develop and implement policy on application of interest terms in contracts.
- Identify and escalate defaults and potential defaults.
- Consult with relevant stakeholders on mitigations and recoveries.
- Maintain a centralised tracking system for credit exposures, overdue accounts, and recovery efforts.
- Conduct regular reviews of counterparty creditworthiness using internal data and external intelligence.
- Flag emerging risks and recommend adjustments to credit terms or exposure levels.
2. ClaimsLiaise with the Insurance and Legal teams to support the prosecution of claims.
Counterparty Risk Monitoring
- Publish immediate credit default reports (alongside initiation of the abovementioned response actions).
- Prepare weekly reports for functions and CEO, CFO and COO detailing credit exposures, overdue accounts, and recovery status.
Qualifications- Proven experience of at least 6-8 years in credit risk management, ideally within the maritime or commodities sectors.
- Deep understanding of shipping contracts, chartering terms, and related finance structures.
- Familiarity with legal and insurance processes related to claims and recoveries.
- Excellent analytical and communication skills.
- Proficiency in credit risk systems and financial reporting tools.
Benefits
UML offers competitive benefits including annual discretionary bonus, pension and medical benefits. Further details will be provided on request.
Vice President, Credit Risk Officer - Corporates Credit
Posted 16 days ago
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London, United Kingdom
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**Job Title:** Credit Risk Officer
**Corporate Title:** Vice President
**Location:** London
**Company Overview**
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!
**London Location Overview**
Our London office is based just a stone's throw from the magnificent St. Paul's Cathedral on bustling King Edward Street. Here you'll find modern workspaces and a state-of-the-art auditorium space. In addition, we're proud to host an onsite restaurant that shares our commitment to sustainability by providing delicious seasonal menus which have been created with the planet in mind. Make sure to take time for yourself and head up to our rooftop terrace and take in the spectacular views across London. Finally, your physical wellness is well-catered for with our onsite gym facilities and medical centre.
**Job Description**
An exciting opportunity for a Vice President to join our Corporates Credit team a part of Global Corporate and Investment Banking (GCIB) Credit managing and delivering credit relationships for corporate clients in accordance with the company's growth strategy, risk appetite and underwriting standards. We are an independent function that works closely with various lines of business, relationship managers, product specialists and Risk.
GCIB Credit is responsible for analysing and delivering credit underwriting debt financing solutions and derivative strategies for medium and large corporate clients of GCIB & Global Markets (GM). GCIB includes corporate banking and investment banking and GM includes sales & trading. The group provides services to middle-market and large corporations, government entities and institutional investors. Services including mergers and acquisition advice, equity and debt capital raising, corporate lending, sales and trading in fixed income, commodities, currency and equities, risk management, research, and liquidity and payments management.
GCIB Credit partners with teams across GCIB & GM including Trade Service Partners and Global Treasury Management to drive business growth and results while maintaining appropriate risk discipline specific to the corporate credit portfolio. Integral to GCIB Credit's mission is its partnership with other branches of GCIB, GM and Risk Management organisation in order to effectively manage and monitor the credit risks related to the corporate portfolio.
**Responsibilities**
+ Perform financial and credit analysis, risk rating analysis ensuring adherence to prevailing credit policy and procedures for an assigned portfolio.
+ Independently assess credit worthiness, perform intensive qualitative and quantitative due diligence of prospective borrowers and/or trading counterparties and establish appropriate terms and conditions to mitigate risk
+ Structuring transactions, underwriting and negotiating credit documentation designed to meet both client and investor needs including credit agreements, amendments, derivative documentation.
+ Ensuring granularity of the portfolio with specific reference to targets for net country/credit capital, legally binding commitments, total exposure and asset quality.
+ Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the client's credit life cycle.
+ Ensuring that the portfolio and credit management process are at all times rated "satisfactory" by internal auditors, the Credit Review group and external Regulators.
+ Develop and maintain a deep understanding of the product spectrum and portfolio at the client, industry, and macro level to assess risk and craft value added solutions balancing risk.
+ Develop, maintain, and manage internal relationships with business partners including Corporate and Investment Bankers, Sales & Trading, Risk Management, Syndications, and Legal.
+ Participate in strategic projects to support business goals.
+ Providing provide appropriate coaching and development to junior teammates.
**What we are looking for**
+ Credit risk experience at a major international financial institution, analysing, assessing companies and knowledge of EMEA and specific industry sectors, structuring transactions and documentation.
+ Knowledge of analysing and assessing mid-market corporates, including understanding market practices on structuring and documentation for such mid-market corporates, across different industry sectors
+ Effective credit skills, risk judgment and broader risk awareness and understanding of the wider business, market and regulatory environment in which the bank operates, and how that impacts client and portfolio's credit profile and ability to defend rigorously a fact-based point of view.
+ BA/BSc degree (or equivalent); Finance, Accounting or Economics would be beneficial.
+ Sound product/technical, documentation and process knowledge across lending, trade finance and derivative (FX, rates, commodities and equities) products.
+ Acting as an agent of change/improvement, influencing corporate policy/procedure and projecting a positive strategic vision.
+ Commercial mindset to support value added discussions with effective interpersonal and written and verbal communication skills, and attention to detail and accuracy.
+ Fluency with use of Microsoft Office applications, particularly Excel; including ability to prepare and/or review company specific financial models in Excel.
+ Strong organisational skills with ability to prioritise and work under pressure, drive deal selection, negotiate solutions, strong transaction management process, and proactively manage credit risks.
+ Fluency in English required. Additionally, another European language skills will be considered highly beneficial.
**Benefits of working at Bank of America**
**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.
**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 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.
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, 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 ( .
View the LA County Fair Chance Ordinance ( .
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.
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.