Vice President; Product Specialist - Credit

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.

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Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs.

At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!

This job is responsible for supporting credit analysts and relationship managers in underwriting and servicing specialized credit products. Key responsibilities include expertise in product functionality and user experience as well as handling more complex inquiries, contributing to product improvement feedback loops, and training initiatives. Job expectations include coaching entry-level product specialists.

Responsibilities:

• Own the US Asset-Backed Securitization (ABS) lending reporting and portfolio management functions and write effective summaries and presentations to complement reporting of ABS portfolio performance data.
• Understand the ABS underwriting and monitoring processes, including how to leverage BofA’s proprietary ABS monitoring platform for key insights.
• Leverage ABS expertise to support portfolio reviews across other credit books such as the Chief Investment Office (CIO), and assist with various enterprise initiatives.
• Support accuracy of collateral management efforts by analyzing ABS deal structures and collateral characteristics.
• Partner with technology teams on the delivery of automation solutions to enhance the Global ABS reporting framework.
• Identify, escalate, and remediate data issues, coordinating with various support teams to ensure timely and accurate downstream processes.
• Coordinate and contribute to presentations in response to regulatory and senior management requests.
• Interface with Credit Officers and the ABS business to ensure that key features, trends, and risks in the ABS lending portfolio are reflected in the reporting framework, including reviewing loan tapes and repline data.
• Collaborate on enterprise initiatives and partner with applicable stakeholders across the firm on emerging topics.

Required Skills & Experience:

• Bachelor's degree or equivalent in Finance, Economics or related: and
• 5 years of progressively responsible experience in the job offered or a related Finance occupation.
• Must include 5 years of experience in each of the following:
• Analyzing structured credit portfolios including ABS, CLO and RMBS to assess risk, exposure, and performance trends using Excel VBA and SQL to identify credit deterioration, monitor covenant compliance;
• Writing complex queries to aggregate loan-level data and generate insights for senior management using SQL to support portfolio management, risk reporting, and regulatory deliverables;
• Automating reporting workflows for portfolio, and compliance deliverables using tools like Excel VBA to streamline recurring tasks, reduce manual errors and improve turnaround time for internal and external reporting;
• Assessing business needs and translating them into technical specifications, testing system enhancements, and implementing process improvements to support credit portfolio management in collaboration with multiple cross-functional teams;
• Applying advanced Excel techniques including Power Query, Macros, and Pivot Tables for data analysis, modeling, and reporting, including building dynamic dashboards, scenario analysis tools, and automated templates for portfolio monitoring; and,
• Integrating data across multiple systems by leveraging common identifiers including loan or facility ID to unify disparate data attributes and risk metrics, enabling a complete and consistent dataset for accurate portfolio analysis, reporting, and decision-making.

If interested apply online at or email your resume to [email protected] and reference the job title of the role and requisition number.

EMPLOYER: Bank of America N.A.

Shift:

1st shift (United States of America)

Hours Per Week:

40