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Bank of America Subsidiaries Credit Analyst in Sao Paulo, Brazil

Subsidiaries Credit Analyst

Sao Paulo, Brazil

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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 is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates’ physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.

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.

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

Job Description:

Enterprise Credit (EC) is responsible for underwriting credit products for clients in Bank of America’s Global Corporate and Investment Bank (GCIB). EC partners with teams across Corporate and Investment Banking, Sales & Trading and Global Treasury Management to drive revenue growth while maintaining appropriate risk disciplines specific to GCIB’s corporate credit portfolio. Integral to EC’s mission is to effectively manage and monitor the credit and market risks inherent in the client portfolio. The Subsidiaries business focus on the partnership and coordination both with local Relationship Managers and Global Credit Officers in order to approve and execute credit facilities to Brazilian Subsidiaries of Global Relationships.

This job is responsible for analyzing and interpreting a client's credit worthiness, evaluating credit risks, and writing credit approval memos for annual renewals and new lending opportunities. Key responsibilities include analyzing qualitative and quantitative data such as client's financials, projections, industry data, covenant compliance, and collateral appraisals to ensure compliance with the bank's risk appetite. Job expectations include completing regular monitoring and underwriting tasks and supporting key internal stakeholders to achieve successful execution of new transactions.

Responsibilities

  • Credit Analysis of Brazilian Subsidiaries of Global Corporate and Financial Institution clients;

  • Engage Global Credit and Banking teams to obtain credit allocations

  • Work with Legal teams to analyze, opine and liaise with Global Credit Officers on the Legal Documentation;

  • Participate in due diligence sessions and client-facing meetings;

  • Be accountable for active client monitoring with a regular review and update of the analysis of counterparties and existing risk ratings as well as industry trends and news flow;

  • Engage in other credit related activities including presentations to senior management and local regulatory attributions;

Core skills and requirements

  • Bachelor's degree in Accounting, Business Administration, Economics or Engineering

  • 2 to 4 years of experience (internship or full time) in Credit areas of Financial Institutions, Equity/Fixed Income Research, Rating Agencies or related areas

  • Fluent in English and Portuguese. Spanish knowledge will be considered a key differentiator

  • Strong analytical and technical skills, including financial accounting

  • Ability to understand and represent more complex oriented transactions/deals in oral & written form

  • Solid MS Word, Excel and PowerPoint.

  • Expertise in applying AI to programming and building intelligent Excel models and workflows is considered a key differentiator

  • Team player, excellent communication and interpersonal skills, proactive and hands-on approach

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.

View your "Know your Rights (https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12.pdf) " poster.

View the LA County Fair Chance Ordinance (https://dcba.lacounty.gov/wp-content/uploads/2024/08/FCOE-Official-Notice-Eng-Final-8.30.2024.pdf) .

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.

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