114 Credit Risk Officer jobs in the United Kingdom
Associate, Credit Risk Officer GCIB Corporates
London, London
Bank of America
Posted 16 days ago
Job Viewed
Job Description
Associate, Credit Risk Officer GCIB Corporates
London, United Kingdom
**To proceed with your application, you must be at least 18 years of age.**
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**To proceed with your application, you must be at least 18 years of age.**
Acknowledge ( Description:**
**Job Title:** Credit Risk Officer
**Corporate Title:** Associate
**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!
**Role Description**
An exciting opportunity 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**
+ BA/BSc degree (or equivalent); Finance, Accounting or Economics would be beneficial.
+ Credit risk experience at a major international financial institution, analysing, assessing companies and knowledge of EMEA and specific industry sectors, structuring transactions and documentation.
+ 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.
+ 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.
+ Understanding of credit risk sensitivities in the portfolio and risk drivers of the exposures.
+ Keen interest in finance, macroeconomic and geopolitical issues.
+ Fluency in English required. Additionally, other European language skills highly beneficial.
**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/sex, 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, responsibility for dependants, 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.
London, United Kingdom
**To proceed with your application, you must be at least 18 years of age.**
Acknowledge
Refer a friend
**To proceed with your application, you must be at least 18 years of age.**
Acknowledge ( Description:**
**Job Title:** Credit Risk Officer
**Corporate Title:** Associate
**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!
**Role Description**
An exciting opportunity 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**
+ BA/BSc degree (or equivalent); Finance, Accounting or Economics would be beneficial.
+ Credit risk experience at a major international financial institution, analysing, assessing companies and knowledge of EMEA and specific industry sectors, structuring transactions and documentation.
+ 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.
+ 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.
+ Understanding of credit risk sensitivities in the portfolio and risk drivers of the exposures.
+ Keen interest in finance, macroeconomic and geopolitical issues.
+ Fluency in English required. Additionally, other European language skills highly beneficial.
**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/sex, 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, responsibility for dependants, 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.
This advertiser has chosen not to accept applicants from your region.
0
VP, Credit Risk Officer - Special Assets Group
London, London
Bank of America
Posted 1 day ago
Job Viewed
Job Description
VP, Credit Risk Officer - Special Assets Group
London, United Kingdom
**To proceed with your application, you must be at least 18 years of age.**
Acknowledge
Refer a friend
**To proceed with your application, you must be at least 18 years of age.**
Acknowledge ( Description:**
**VP, Credit Risk Officer - Special Assets Group**
**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!
**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.
**Role Description:**
The Credit Risk Officer (CRO) role is a senior analytical and strategic resource within the Special Assets Group (SAG), supporting SAG Senior Portfolio Officers (POs) in managing criticized/classified commercial loan portfolio. This includes structuring and underwriting of credit facilities, providing financial and collateral analysis, drafting credit approvals, asset quality forecasting, monitoring covenant compliance and adherence to regulatory requirements.
This role is suited for an experienced credit professional with strong analytical skills, sound judgment, and the ability to manage complex credit situations. Over time, the CRO may assume responsibility for a portfolio of less complex relationships within the SAG EMEA/APAC team.
**Responsibilities**
+ Provide analytical support to SAG POs in developing and executing loan workout, restructuring, and recovery strategies
+ Prepare credit approval packages, risk rating analyses, asset quality forecasts, and restructuring recommendations
+ Monitor covenant compliance, borrower performance, and collateral adequacy
+ Participate in client meetings, negotiations (as appropriate), and strategy sessions with internal/external stakeholders
+ Contribute to regulatory reporting, internal audits, and governance processes
+ Participate in strategic projects to support business goals
+ Build strong partnerships with internal partners, including Corporate Banking, Investment Banking, Legal, Risk, and Finance
+ 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
**What we are looking for:**
+ Experience in commercial workout, credit risk management, or commercial loan underwriting related experience
+ Strong knowledge of commercial loan structures, corporate finance, and financial statement analysis
+ Familiarity with syndicated and agented loan structures, including multi-lender negotiations
+ Excellent written and verbal communication skills, with demonstrated ability to produce clear, persuasive materials for senior audiences
+ Proven ability to manage multiple priorities and meet tight deadlines in a high-pressure environment
+ Experience working in Corporate Workout, Leveraged Finance, Structured Credit, Distressed Debt Advisory, or a Restructuring team (bank, advisory, or buy-side)
+ Experience with collateral valuation, liquidation analysis, and capital markets transactions related to distressed assets
+ Proactive self-starter, motivated and with an aptitude to learn quickly under pressure in a fast-paced environment with the ability to manage within tight deadlines
**Skills that will help:**
+ Credit and Risk Assessment
+ Critical thinking and problem solving
+ Financial modeling and analysis
+ Knowledge of loan documentation and credit agreements
+ Interpret relevant Laws, Rules, and Regulations
+ Collaboration and cross-functional teamwork
+ Strong oral and written communication
+ Ability to synthesize complex data and present clear, actionable recommendations
**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 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.
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.
London, United Kingdom
**To proceed with your application, you must be at least 18 years of age.**
Acknowledge
Refer a friend
**To proceed with your application, you must be at least 18 years of age.**
Acknowledge ( Description:**
**VP, Credit Risk Officer - Special Assets Group**
**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!
**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.
**Role Description:**
The Credit Risk Officer (CRO) role is a senior analytical and strategic resource within the Special Assets Group (SAG), supporting SAG Senior Portfolio Officers (POs) in managing criticized/classified commercial loan portfolio. This includes structuring and underwriting of credit facilities, providing financial and collateral analysis, drafting credit approvals, asset quality forecasting, monitoring covenant compliance and adherence to regulatory requirements.
This role is suited for an experienced credit professional with strong analytical skills, sound judgment, and the ability to manage complex credit situations. Over time, the CRO may assume responsibility for a portfolio of less complex relationships within the SAG EMEA/APAC team.
**Responsibilities**
+ Provide analytical support to SAG POs in developing and executing loan workout, restructuring, and recovery strategies
+ Prepare credit approval packages, risk rating analyses, asset quality forecasts, and restructuring recommendations
+ Monitor covenant compliance, borrower performance, and collateral adequacy
+ Participate in client meetings, negotiations (as appropriate), and strategy sessions with internal/external stakeholders
+ Contribute to regulatory reporting, internal audits, and governance processes
+ Participate in strategic projects to support business goals
+ Build strong partnerships with internal partners, including Corporate Banking, Investment Banking, Legal, Risk, and Finance
+ 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
**What we are looking for:**
+ Experience in commercial workout, credit risk management, or commercial loan underwriting related experience
+ Strong knowledge of commercial loan structures, corporate finance, and financial statement analysis
+ Familiarity with syndicated and agented loan structures, including multi-lender negotiations
+ Excellent written and verbal communication skills, with demonstrated ability to produce clear, persuasive materials for senior audiences
+ Proven ability to manage multiple priorities and meet tight deadlines in a high-pressure environment
+ Experience working in Corporate Workout, Leveraged Finance, Structured Credit, Distressed Debt Advisory, or a Restructuring team (bank, advisory, or buy-side)
+ Experience with collateral valuation, liquidation analysis, and capital markets transactions related to distressed assets
+ Proactive self-starter, motivated and with an aptitude to learn quickly under pressure in a fast-paced environment with the ability to manage within tight deadlines
**Skills that will help:**
+ Credit and Risk Assessment
+ Critical thinking and problem solving
+ Financial modeling and analysis
+ Knowledge of loan documentation and credit agreements
+ Interpret relevant Laws, Rules, and Regulations
+ Collaboration and cross-functional teamwork
+ Strong oral and written communication
+ Ability to synthesize complex data and present clear, actionable recommendations
**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 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.
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.
This advertiser has chosen not to accept applicants from your region.
1
Financial Risk Analyst
BS1 4DG Bristol, South West
£40000 Annually
WhatJobs
Posted 1 day ago
Job Viewed
Job Description
Our client, a prominent financial institution, is seeking a detail-oriented and analytical Financial Risk Analyst to join their team in Bristol, South West England, UK . This hybrid role will involve assessing and mitigating various financial risks, including market risk, credit risk, and operational risk, ensuring the institution's financial stability and compliance with regulatory requirements.
Key Responsibilities:
The ideal candidate will have a Bachelor's or Master's degree in Finance, Economics, Mathematics, or a related quantitative field. A minimum of 3-5 years of experience in financial risk management, banking, or a related financial services role is essential. Strong analytical, quantitative, and problem-solving skills are required, along with proficiency in financial modeling and data analysis tools (e.g., Excel, SQL, Python). Knowledge of regulatory frameworks relevant to financial institutions is highly desirable. Excellent communication and presentation skills are needed to effectively convey complex risk information. This hybrid position offers a balance of working from our office in Bristol, South West England, UK and remotely, providing flexibility while ensuring collaboration.
Key Responsibilities:
- Conduct in-depth analysis of financial data to identify, assess, and monitor potential risks.
- Develop and implement risk management frameworks, policies, and procedures.
- Prepare comprehensive risk reports and present findings to senior management and relevant committees.
- Monitor compliance with internal risk policies and external regulatory requirements (e.g., Basel III, Solvency II).
- Contribute to the development and refinement of risk models and methodologies.
- Work closely with various departments, including trading, compliance, and operations, to embed a strong risk culture.
- Analyze market trends and economic conditions to assess their impact on the institution's risk profile.
- Manage and maintain risk databases and reporting tools.
- Assist in stress testing and scenario analysis to evaluate the institution's resilience to adverse events.
- Stay abreast of emerging risks and regulatory changes within the financial services industry.
The ideal candidate will have a Bachelor's or Master's degree in Finance, Economics, Mathematics, or a related quantitative field. A minimum of 3-5 years of experience in financial risk management, banking, or a related financial services role is essential. Strong analytical, quantitative, and problem-solving skills are required, along with proficiency in financial modeling and data analysis tools (e.g., Excel, SQL, Python). Knowledge of regulatory frameworks relevant to financial institutions is highly desirable. Excellent communication and presentation skills are needed to effectively convey complex risk information. This hybrid position offers a balance of working from our office in Bristol, South West England, UK and remotely, providing flexibility while ensuring collaboration.
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2
Financial Risk Analyst
L2 5RG Liverpool, North West
£45000 Annually
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Posted 1 day ago
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Our client, a reputable financial services firm, is seeking a meticulous and analytical Financial Risk Analyst to join their team in **Liverpool, Merseyside, UK**. This role is office-based, providing an excellent opportunity to immerse yourself in a collaborative and high-performing environment. You will be responsible for identifying, assessing, and mitigating various financial risks, including market risk, credit risk, and operational risk. Your analysis will support strategic decision-making and ensure the firm's compliance with regulatory requirements. Key responsibilities include:
The ideal candidate will possess a Bachelor's degree in Finance, Economics, Mathematics, or a related quantitative field. A Master's degree or professional certification (e.g., FRM, PRM) is highly desirable. Proven experience in financial risk management, particularly within a banking or financial services environment, is essential. Strong analytical and quantitative skills, with proficiency in statistical software and data analysis tools (e.g., Python, R, SQL) are required. Excellent understanding of financial markets, regulations, and risk management principles. Strong report writing and presentation skills are also necessary. This is an excellent opportunity for a detail-oriented professional looking to contribute to the financial stability and strategic direction of a leading firm.
- Developing and implementing robust risk management frameworks and models.
- Conducting quantitative analysis of financial data to identify and assess potential risks.
- Monitoring and reporting on key risk indicators (KRIs) and key performance indicators (KPIs).
- Preparing comprehensive risk assessment reports for senior management and regulatory bodies.
- Evaluating the effectiveness of internal controls and recommending improvements.
- Staying abreast of regulatory changes and ensuring compliance with relevant frameworks (e.g., Basel III, Solvency II).
- Collaborating with various departments, including finance, trading, and operations, to embed risk awareness.
- Assisting in the development and testing of stress testing scenarios.
- Contributing to the firm's risk appetite statement and risk policies.
- Using data analysis tools and software to support risk management activities.
The ideal candidate will possess a Bachelor's degree in Finance, Economics, Mathematics, or a related quantitative field. A Master's degree or professional certification (e.g., FRM, PRM) is highly desirable. Proven experience in financial risk management, particularly within a banking or financial services environment, is essential. Strong analytical and quantitative skills, with proficiency in statistical software and data analysis tools (e.g., Python, R, SQL) are required. Excellent understanding of financial markets, regulations, and risk management principles. Strong report writing and presentation skills are also necessary. This is an excellent opportunity for a detail-oriented professional looking to contribute to the financial stability and strategic direction of a leading firm.
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3
Head of Financial Risk Management
CF10 1AA Cardiff, Wales
£95000 Annually
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Our client, a prestigious financial institution, is seeking a highly experienced and strategic Head of Financial Risk Management to lead their risk operations. This is a critical, fully remote role where you will be responsible for developing and implementing comprehensive risk management frameworks to safeguard the company's assets and ensure regulatory compliance. You will oversee all aspects of financial risk, including market risk, credit risk, operational risk, and liquidity risk, providing essential leadership and guidance to the risk management function. The ideal candidate will possess a deep understanding of financial markets, regulatory landscapes, and sophisticated risk modelling techniques.
Key responsibilities include establishing and maintaining robust risk policies and procedures, conducting regular risk assessments and stress testing, and developing mitigation strategies. You will lead a team of risk professionals, fostering a culture of risk awareness and proactive risk management throughout the organisation. The Head of Financial Risk Management will also be responsible for managing regulatory relationships, preparing reports for senior management and the board, and ensuring adherence to all relevant compliance requirements. This role demands strong analytical capabilities, strategic thinking, and exceptional leadership qualities to navigate the complexities of the financial services industry.
We are looking for candidates with a Master's degree in Finance, Economics, Mathematics, or a related quantitative field, and significant experience in senior risk management roles within the banking or financial services sector. Professional certifications such as FRM or PRM are highly desirable. Proven expertise in risk modelling, quantitative analysis, regulatory frameworks (e.g., Basel III/IV), and risk management software is essential. Excellent communication, presentation, and interpersonal skills are required to effectively interact with stakeholders at all levels. This is an exceptional opportunity to lead risk management efforts in a remote-first environment, contributing significantly to the financial health and stability of a leading organisation.
Key responsibilities include establishing and maintaining robust risk policies and procedures, conducting regular risk assessments and stress testing, and developing mitigation strategies. You will lead a team of risk professionals, fostering a culture of risk awareness and proactive risk management throughout the organisation. The Head of Financial Risk Management will also be responsible for managing regulatory relationships, preparing reports for senior management and the board, and ensuring adherence to all relevant compliance requirements. This role demands strong analytical capabilities, strategic thinking, and exceptional leadership qualities to navigate the complexities of the financial services industry.
We are looking for candidates with a Master's degree in Finance, Economics, Mathematics, or a related quantitative field, and significant experience in senior risk management roles within the banking or financial services sector. Professional certifications such as FRM or PRM are highly desirable. Proven expertise in risk modelling, quantitative analysis, regulatory frameworks (e.g., Basel III/IV), and risk management software is essential. Excellent communication, presentation, and interpersonal skills are required to effectively interact with stakeholders at all levels. This is an exceptional opportunity to lead risk management efforts in a remote-first environment, contributing significantly to the financial health and stability of a leading organisation.
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4
Head of Financial Risk Management
WV1 1AA Wolverhampton, West Midlands
£90000 Annually
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Posted 1 day ago
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Our client is seeking a strategic and accomplished Head of Financial Risk Management to lead their risk division. This role requires an on-site presence to ensure direct oversight and collaboration with key stakeholders. You will be responsible for developing and implementing comprehensive risk management frameworks, policies, and procedures across the organization. Your remit will include identifying, assessing, and mitigating financial risks, such as market risk, credit risk, operational risk, and liquidity risk. You will lead a team of risk professionals, providing guidance, mentorship, and performance management. Key responsibilities involve overseeing stress testing, capital adequacy assessments, and regulatory compliance related to financial risk. The ideal candidate will possess extensive experience in financial services, a deep understanding of risk management principles and methodologies, and a proven ability to manage complex financial instruments and exposures. Strong leadership, communication, and analytical skills are essential for engaging with executive management, board members, and regulatory bodies. You must be adept at translating complex risk concepts into actionable strategies and reporting. Proficiency in risk modeling software and a thorough knowledge of banking regulations are critical. This is a high-impact leadership position that offers the opportunity to significantly shape the financial resilience and strategic direction of our organization, based in Wolverhampton, West Midlands, UK .
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5
Senior Quantitative Analyst - Financial Risk Management
BD1 1AH Bradford, Yorkshire and the Humber
£80000 Annually
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Posted 1 day ago
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Our client is a leading financial institution seeking a highly analytical and experienced Senior Quantitative Analyst to join their Financial Risk Management division. This is a fully remote position, offering unparalleled flexibility for experts across the UK. The role focuses on developing, validating, and implementing sophisticated quantitative models used for market risk, credit risk, and operational risk assessment. You will play a crucial role in designing and testing complex pricing models, risk mitigation strategies, and capital allocation frameworks. The successful candidate will be responsible for interpreting model outputs, communicating complex findings to non-technical stakeholders, and ensuring compliance with regulatory requirements (e.g., Basel III/IV, FRTB). This position demands a strong foundation in mathematics, statistics, econometrics, and programming. Expertise in financial markets and instruments is essential. You will collaborate closely with traders, risk managers, IT professionals, and regulatory bodies. The ideal candidate will possess a Master's or PhD in a quantitative field such as Mathematics, Statistics, Physics, Economics, or a related discipline, with a minimum of 5 years of relevant experience in quantitative finance, risk management, or a similar analytical role within the banking or financial services sector. Proficiency in programming languages like Python, R, C++, or Java, along with experience with financial libraries and databases, is required. Strong analytical, problem-solving, and communication skills are paramount for success in this challenging and impactful role. This is an excellent opportunity to leverage your quantitative expertise to drive critical decision-making in a dynamic financial landscape, all while enjoying the benefits of a fully remote work environment.
Responsibilities:
Responsibilities:
- Develop, validate, and implement quantitative models for financial risk management.
- Design and test pricing models for complex financial derivatives and instruments.
- Conduct statistical analysis and build predictive models for market, credit, and operational risks.
- Ensure model compliance with regulatory frameworks and internal policies.
- Analyze and interpret model results, providing insights to senior management and business units.
- Collaborate with IT teams for the implementation and deployment of models.
- Stay updated on the latest research and methodologies in quantitative finance and risk management.
- Communicate complex technical concepts clearly to both technical and non-technical audiences.
- Contribute to the development of risk appetite frameworks and capital planning.
- Master's or PhD in a quantitative discipline (e.g., Mathematics, Statistics, Finance, Physics).
- Minimum of 5 years of experience in quantitative finance or risk management.
- Strong knowledge of financial markets, instruments, and risk types.
- Proficiency in programming languages such as Python, R, C++, or Java.
- Experience with statistical modeling, econometrics, and machine learning techniques.
- Understanding of regulatory requirements (e.g., Basel Accords, FRTB) is highly preferred.
- Excellent analytical, problem-solving, and critical thinking skills.
- Strong written and verbal communication abilities.
- Ability to work independently and manage projects effectively in a remote setting.
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6
Senior Quantitative Analyst - Financial Risk Management
G1 1BD Glasgow, Scotland
£80000 annum + bon
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Posted 1 day ago
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Join our world-class finance division as a Senior Quantitative Analyst, contributing to our global risk management strategy from a fully remote position. This role is ideal for a highly analytical and mathematically inclined professional with a deep understanding of financial markets, derivatives, and risk modeling. You will be responsible for developing, implementing, and validating sophisticated quantitative models for pricing, hedging, and risk assessment across various asset classes. Your expertise will be crucial in supporting trading desks, portfolio management, and regulatory compliance initiatives. We are seeking candidates with advanced degrees in quantitative fields such as Financial Engineering, Mathematics, Physics, or Statistics, coupled with significant experience in quantitative finance. Proficiency in programming languages like Python, C++, R, or MATLAB, along with experience in statistical modeling, time series analysis, and machine learning techniques, is essential. You will collaborate with traders, risk managers, and IT professionals to deliver cutting-edge solutions and insights. Strong communication and presentation skills are required to articulate complex quantitative concepts to both technical and non-technical audiences. This is an unparalleled opportunity to work on intellectually stimulating challenges within a dynamic and highly collaborative remote team, shaping critical financial decisions and contributing to the stability and growth of the firm. Be part of a leading financial institution that values innovation, analytical rigor, and continuous learning.
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7
Senior Financial Risk Manager
EC2N 2AA London, London
£90000 Annually
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Posted 1 day ago
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Our client, a prominent financial institution, is seeking an experienced Senior Financial Risk Manager to join their esteemed risk management division. This position is fully remote, providing a flexible and dynamic working environment. You will be instrumental in developing, implementing, and overseeing comprehensive risk management frameworks across the organization, with a particular focus on market risk, credit risk, and operational risk. This role requires a deep understanding of financial markets, regulatory requirements, and advanced quantitative methodologies. You will lead a team of risk professionals, collaborate with various business units, and provide critical insights to senior management to ensure the stability and integrity of the firm's financial operations. The ideal candidate will possess strong analytical capabilities, excellent leadership skills, and a proactive approach to risk identification and mitigation.
Key Responsibilities:
Key Responsibilities:
- Develop, implement, and maintain robust risk management policies, procedures, and methodologies.
- Identify, assess, and monitor key financial risks, including market, credit, liquidity, and operational risks.
- Conduct stress testing and scenario analysis to evaluate the firm's resilience to adverse market conditions.
- Ensure compliance with relevant financial regulations (e.g., Basel Accords, FCA rules).
- Prepare and present comprehensive risk reports to senior management, the Board, and regulatory bodies.
- Lead and mentor a team of risk analysts and managers, fostering professional development.
- Collaborate with business units to embed a strong risk culture throughout the organization.
- Develop and refine quantitative models for risk measurement and valuation.
- Oversee the implementation of risk management systems and technologies.
- Proactively identify emerging risks and develop appropriate mitigation strategies.
- Serve as a key point of contact for internal and external auditors on risk-related matters.
- Advanced degree (Master's or PhD) in Finance, Economics, Mathematics, Statistics, or a related quantitative field.
- Significant experience (7+ years) in financial risk management, preferably within banking or investment management.
- In-depth knowledge of various risk types (market, credit, operational, liquidity) and associated management techniques.
- Strong understanding of financial regulations and compliance requirements.
- Proficiency in quantitative modeling and risk analytics tools.
- Excellent analytical, problem-solving, and critical thinking skills.
- Strong leadership, communication, and interpersonal skills, with the ability to influence stakeholders at all levels.
- Experience with regulatory reporting and capital adequacy frameworks.
- Professional certifications such as FRM, PRM, or CFA are highly desirable.
- Ability to manage complex projects and deadlines effectively in a remote setting.
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8
Senior Financial Risk Analyst
NE1 7SU Newcastle upon Tyne, North East
£60000 Annually
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Posted 1 day ago
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Our client is seeking a highly analytical and experienced Senior Financial Risk Analyst to join their remote-first finance division. This position is fully remote, allowing you to contribute to our strategic risk management efforts from anywhere in the UK. You will be responsible for identifying, assessing, and mitigating various financial risks, including market risk, credit risk, and operational risk. Your insights will be vital in safeguarding the company's financial health and ensuring regulatory compliance.
Core Responsibilities:
The ideal candidate will possess a strong academic background in Finance, Economics, Mathematics, or a related quantitative field, complemented by extensive experience in financial risk management. Proficiency in statistical software, financial modeling tools (e.g., Excel, Python, R), and risk management platforms is essential. Exceptional analytical, problem-solving, and communication skills are required to effectively articulate complex risk concepts. As this is a remote role, you must demonstrate excellent self-management, organizational abilities, and the capacity to work autonomously while contributing effectively to a distributed team. A commitment to professional development and staying current with industry best practices is expected.
Location: Newcastle upon Tyne, Tyne and Wear, UK (Remote)
Core Responsibilities:
- Develop and implement sophisticated risk models and methodologies.
- Conduct comprehensive analysis of financial data to identify potential risks and vulnerabilities.
- Monitor and report on key risk indicators (KRIs) and the overall risk exposure of the company.
- Collaborate with business units to embed risk management practices into daily operations.
- Ensure compliance with relevant financial regulations and reporting standards (e.g., Basel Accords, IFRS).
- Prepare detailed reports and presentations for senior management and regulatory bodies.
- Stay updated on economic trends and their potential impact on financial risks.
- Propose and implement risk mitigation strategies and controls.
- Mentor junior analysts and contribute to team development.
The ideal candidate will possess a strong academic background in Finance, Economics, Mathematics, or a related quantitative field, complemented by extensive experience in financial risk management. Proficiency in statistical software, financial modeling tools (e.g., Excel, Python, R), and risk management platforms is essential. Exceptional analytical, problem-solving, and communication skills are required to effectively articulate complex risk concepts. As this is a remote role, you must demonstrate excellent self-management, organizational abilities, and the capacity to work autonomously while contributing effectively to a distributed team. A commitment to professional development and staying current with industry best practices is expected.
Location: Newcastle upon Tyne, Tyne and Wear, UK (Remote)
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