Assistant Vice President / Vice President Credit Risk Officer-Corporate/Commercial Tokyo, Japan **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 (https://ghr.wd1.myworkdayjobs.com/lateral-apac/job/Tokyo/Vice-President--Credit-Risk-Officer-Corporate-Commercial\_25014947-1) **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 a diverse and 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. 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 overall portfolio or product set performance and asset quality and may include credit approval authority. Key responsibilities include focusing on but not limited to credit, market, and reputational risk; as well as adherence to credit risk policies and external/internal reporting, including but not limited to Top of House (TOH) and Line of Business (LOB) specific reports or regulatory related reporting. Job expectations include having detailed knowledge of regulatory issues and providing expertise on highly complex transactions to business/support partners. **Responsibilities:** + Supports the credit approval process and therefore is accountable for overall portfolio performance and asset quality, including underwriting, structuring and monitoring tasks. + Conducts analysis, inspects and/or develops credit risk reporting for specific products, and monitors and reports on key indicators for changes in credit quality to communicate to senior management. + Sets adherence to policy and standards and ensures first line credit officers and managers are appropriately performing due diligence that the risk is within the bank's defined risk appetite, using knowledge of stress testing and its applicability to credit risk. + Monitors for adherence to industry risk governance, as well as monitoring for potential operational, reputational and market risk issues. + Identifies risks early that could impact the assigned portfolio and coordinates with business counterparts to resolve portfolio issues. + Translates and manages plans of action to achieve a goal across varying audiences. + Prepares, reviews and / or submits the regulatory reports in a complete, accurate and timely manner in conformance with regulatory instructions. **Required Skills** : + Credit and Risk Assessment + Critical Thinking + Risk Analytics + Risk Management + Strategic Thinking + Decision Making + Interpret Relevant Laws, Rules, and Regulations + Issue Management + Portfolio Analysis + Regulatory Compliance + Business Intelligence + Financial Accounting + Inclusive Leadership + Influence + Presentation Skills Must be intellectually curious driven to determine root cause by evaluating policy criteria as well as leveraging data to determine risk attributes potentially impacting underwriting due diligence as well as portfolio performance. Responsible for oversight of credit risk activities: reviewing and approving credit policy changes; originations and portfolio analysis including performance monitoring; identification and analyzing of emerging risks, and other risk activities. May have credit approval authority, approve highly complex or high value transactions including exceptions outside approved Front Line Unit risk tolerances. Direct and conduct ad-hoc evaluation/analysis of policy expansion request, emerging issues and regulatory items requiring interaction across partners for best outcome. Active Credit Risk participant in related governance routines: regulatory, internal and across business segments. **Desired Skills:** + 7+ years Commercial/Corporate banking risk and/or analysis experience + Working knowledge of business analytical and visualization tools + Excellent written and verbal communication skills + Understanding of Risk Management practices and policies + Ability to interface confidently across all levels of management with both business and support partners + Regular use of discretion and independent, sound judgment + Must be industrious, self-directed and intellectually curious 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 (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12.pdf) . 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. To view Bank of America’s Drug-free Workplace and Alcohol Policy, CLICK HERE . 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.