Overview

VP, Credit Risk Officer - Special Assets Group role at Alliance and LeicesterLocation: London, United KingdomTo proceed with your application, you must be at least 18 years of age.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 strategiesPrepare credit approval packages, risk rating analyses, asset quality forecasts, and restructuring recommendationsMonitor covenant compliance, borrower performance, and collateral adequacyParticipate in client meetings, negotiations (as appropriate), and strategy sessions with internal/external stakeholdersContribute to regulatory reporting, internal audits, and governance processesParticipate in strategic projects to support business goalsBuild strong partnerships with internal partners, including Corporate Banking, Investment Banking, Legal, Risk, and FinanceDevelop 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 solutionsWhat We Are Looking For

Experience in commercial workout, credit risk management, or commercial loan underwriting related experienceStrong knowledge of commercial loan structures, corporate finance, and financial statement analysisFamiliarity with syndicated and agented loan structures, including multi-lender negotiationsExcellent written and verbal communication skills, with demonstrated ability to produce clear, persuasive materials for senior audiencesProven ability to manage multiple priorities and meet tight deadlines in a high-pressure environmentExperience 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 assetsProactive self-starter, motivated and with an aptitude to learn quickly under pressure in a fast-paced environment with the ability to manage within tight deadlinesSkills That Will Help

Credit and Risk AssessmentCritical thinking and problem solvingFinancial modeling and analysisKnowledge of loan documentation and credit agreementsInterpret relevant Laws, Rules, and RegulationsCollaboration and cross-functional teamworkStrong oral and written communicationAbility to synthesize complex data and present clear, actionable recommendationsBenefits

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 partnerCompetitive pension plan, life assurance and group income protection cover if you become unable to work as a result of a disability or health reasons20 days of back-up childcare including access to school holiday clubs and 20 days of back-up adult care per annumThe 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 mattersAbility to donate to charities of your choice directly through payroll and the bank will match your contributionArts and Culture corporate membership program with discounted entry to cultural institutions and exhibitionsVolunteer opportunities to give back to the communityEEO and Additional Information

Bank of America is an equal opportunities employer and ensures 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, color, nationality, ethnic or national origins, age, sexual orientation, pregnancy or maternity, socio-economic background, or disability. We strive to make recruitment accessible and encourage candidates to share adjustment requirements. Bank of America and its affiliates hire qualified candidates without regard to race, religion, color, sex, sexual orientation, gender identity, or any factor prohibited by law. For more details, see Know Your Rights (EEOC) and related notices. This communication provides information about certain Bank of America benefits. If discrepancies arise between this communication and official plan documents, the plan documents govern. Bank of America reserves the right to amend or terminate benefit plans at any time. This posting may include additional notices and disclosures as required.

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