Credit Risk Analyst

Bank of America

. Support data and technology requests, complex reporting and analysis, and modeling to manage risk and minimize credit and operating losses .

Posted 9/23/2026full-timeUnited StatesMid-LevelSenior💰 $72,000 - $130,700 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in data science and quantitative analysis, with a strong ability to analyze complex datasets and translate findings into actionable insights. Proficient in risk management processes, model performance measures, and advanced analytical techniques, including machine learning and AI solutions.

Highest-signal resume keywords

Data ScienceQuantitative AnalysisModel DevelopmentAdvanced AnalyticsConsumer Vehicle Lending

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Data AnalysisModel Performance MeasuresRisk AssessmentStatistical ModelingData MiningPython ProgrammingSAS ProgrammingSQL ProgrammingR ProgrammingMachine Learning

Soft Skills

Critical ThinkingInterpersonal CommunicationInfluencing SkillsConflict ManagementIndependent Work

Tools & Technologies

MS WordMS ExcelMS PowerPointTableauBusiness Intelligence Applications

Certifications & Qualifications

Graduate Degree in MathematicsGraduate Degree in StatisticsGraduate Degree in EconomicsGraduate Degree in EngineeringGraduate Degree in FinanceGraduate Degree in Data Science

Industry Keywords

Credit RiskRisk ManagementConsumer LendingData QualityPerformance Reporting

Tech Stack

Tools & technologies

PythonSQLTableau

About the role

Key responsibilities & impact

Support data and technology requests, complex reporting and analysis, and modeling to manage risk and minimize credit and operating losses
Review and analyze portfolio, loss, and performance trends
Support development of databases, queries, reporting, and data production processes
Work with Technology to implement changes supporting ongoing data needs
Develop and execute reporting enabling Risk and business partners to identify and manage risk
Provide analytical support for product strategic initiatives across Risk functions and lines of business
Produce database performance reports for senior management using data mining and advanced analytical techniques
Respond to complex ad-hoc information requests from internal and external parties
Support cross-functional remediation of data quality issues
Monitor control outputs and investigate control-check alerts
Create and maintain Dealer-level credit risk performance reporting
Analyze vintage wedges and current performance against guardrails, accounting for business expansions or contractions
Conduct ad-hoc credit risk analysis related to Consumer Vehicle Lending, including key risk segments such as electric vehicles
Perform complex analysis of asset quality, model use risk, and emerging risks
Support Credit Risk points of view through analysis of loss forecasting results, model use risks, and emerging risk themes
Apply sophisticated analytical techniques to assess current and potential risks
Independently assess model use risks within the Consumer and Small Business model inventory
Expand AI adoption for monitoring, risk assessment, operational excellence, and documentation

Requirements

What you’ll need

4+ year degree in a quantitative discipline (e.g., Mathematics, Economics, Engineering, Finance, Data Science or equivalent) or 5+ years experience in a quantitative area
Experience in data science, quantitative analysis, and critical thinking
Ability to analyze large and complex datasets, synthesize multiple analyses, and translate findings into actionable insights
Understanding of the modeling process, model performance measures, and model risk
Experience partnering, influencing, and persuading to achieve desired results
Excellent oral, written, influencing, and interpersonal communication skills
Ability to work independently with little supervision in a complex team environment
Intermediate proficiency in MS Word, Excel, PowerPoint, and Tableau or other business intelligence applications
Demonstrated ability to overcome obstacles and manage conflict
Intermediate programming skills in Python, SAS, SQL, and R
Graduate degree in Mathematics/Statistics, Economics, Engineering, Finance, Data Science, or equivalent certifications (desired)
Experience with model development, validation, or use (desired)
Experience applying advanced analytics, machine learning, or AI solutions to risk management processes (desired)
Experience with Consumer Vehicle Lending (desired)

Benefits

Comp & perks

Annual discretionary incentive plan eligibility
Industry-leading benefits
Paid time off
Resources and support for employees
In-office culture supporting collaboration, engagement, and career development
Opportunities to learn, grow, and make an impact