Risk Analysis Specialist II

Risk Analysis Specialist II

Charlotte, North Carolina

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Job Description:

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. Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates' physical, emotional, and financial wellness through affordable, competitive and flexible benefits. We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve. 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!

Job Description:

This job is responsible for supporting data and technology requests, complex reporting and analysis, and modeling to manage risk and minimize credit and operating losses. Key responsibilities include reviewing and analyzing portfolio trends, supporting the development of more complex databases or queries to extract data, and supporting the production of data for internal and external reporting needs. Job expectations include working with Technology to implement changes necessary to support ongoing data needs.

Position Summary:

The Commercial Regulatory Asset Quality Reporting analyst is responsible for the preparation, analysis, and governance of internal and external commercial asset quality reporting. This role partners closely with Global Regulatory Reporting (GRR), Accounting Policy, Credit Risk, Loan Operations, Data Management, and Internal/External Audit teams to ensure the accuracy, completeness, and timeliness of key credit-related disclosures and regulatory filings. The ideal candidate possesses a strong foundation in credit risk, finance, and regulatory reporting, along with the analytical and communication skills necessary to effectively interpret and explain credit trends to a broad range of stakeholders.

Detailed responsibilities include:

• Prepare monthly and quarterly commercial asset quality reporting for internal management and external disclosures. Support key external reporting requirements, including SEC filings (10-Q, 10-K, Earnings Releases), FR Y-9C, FFIEC 031 Call Reports

• Ensure reporting accuracy, completeness, and adherence to established governance standards

• Research and analysis of key credit data including net credit losses, loan, delinquencies, nonperforming and criticized balances; prepare variance analysis that explain fluctuations

• Support ad hoc analyses and executive reporting related to commercial credit performance and risk trends

• Respond to requests from Internal Audit, External Audit, Independent Testing, SOX reviews, and regulatory examinations. Maintain robust documentation, procedures, controls, and reporting playbook. Ensure compliance with internal governance standards and regulatory expectations.

• Maintain appropriate documented procedures and controls, adhere to internal reporting playbook activities and governance processes

• Identify and implement opportunities to streamline reporting processes and enhance controls through automation

Responsibilities:

• Supports the development and execution of reporting to allow Risk and business partners to effectively identify and manage risk

• Analyzes trends and supports the data design, portfolio trends, loss trends, and portfolio dynamics to ensure alignment with business strategies

• Provides analytical support on various product strategic initiatives affecting multiple Risk functions and lines of business to ensure company goals are met

• Participates in the development of database production processes and performance reports for senior management, using data mining and other advanced analytical techniques to aggregate data

• Supports with responding to complex ad-hoc requests for information from both internal and external parties

• Provides support on cross-functional efforts to remediate data quality issues

• Monitors the outputs of controls and investigates alerts from the control checks

Required Candidate Qualifications:

• Bachelor's Degree required (accounting, finance, risk a plus)

• Minimum 3 years of regulatory reporting, financial analysis, or credit risk reporting experience

• Exceptional attention to detail with the ability to manage multiple priorities under tight deadlines

• Experience leveraging tools such as Alteryx, SQL, Power BI, Tableau, MicroStrategy, VBA

• Proficiency in Microsoft Excel

• Strong communication and stakeholder management skills, with the ability to present complex information clearly to both technical and non-technical audiences

• Self-motivated with a demonstrated sense of ownership, intellectual curiosity, and problem-solving ability

Desired Candidate Qualifications:

• Experience with commercial credit risk reporting and regulatory disclosures

• Familiarity with Credit Risk Platform (CRP)

• Familiarity with eLedger/General Ledger accounting system

• Strong analytical and financial acumen with the ability to translate data into meaningful business insights

• Experience working across multiple projects and business partners in a fast-paced environment

Skills:

• Attention to Detail

• Business Intelligence

• Data and Trend Analysis

• Risk Analytics

• Risk Management

• Adaptability

• Collaboration

• Continuous Improvement

• Data Visualization

• Project Management

• Business Acumen

• Issue Management

• Regulatory Relations

• Stakeholder Management

• Technical Documentation

Shift:

1st shift (United States of America)

Hours Per Week:

40

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.

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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.

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