Senior Risk Analysis Manager

Bank of America

. Provide independent credit risk oversight for consumer real estate products, including first mortgage and home equity .

Posted 9/29/2026full-timeUnited StatesSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive expertise in credit risk oversight for consumer real estate products, with a strong focus on policy execution, risk analysis, and stakeholder collaboration. Proficient in analyzing large datasets to identify emerging risks and develop data-supported recommendations.

Highest-signal resume keywords

Credit Risk ManagementData AnalysisPolicy ExecutionStakeholder CommunicationMortgage Underwriting Standards

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk AnalysisPortfolio Risk AssessmentData-Driven RecommendationsEmerging Risk IdentificationPolicy Change Evaluation

Soft Skills

Effective CommunicationIndependent EvaluationCollaboration

Tools & Technologies

Analytics ToolsAI/Copilot EnablementProcess Automation

Industry Keywords

Consumer Real Estate ProductsMortgage Credit PolicyRisk GovernanceRegulatory ExpectationsCollateral Valuation

About the role

Key responsibilities & impact

Provide independent credit risk oversight for consumer real estate products, including first mortgage and home equity
Focus on policy execution, credit exceptions, originations, servicing or portfolio risk, and emerging risk identification
Assess proposed credit policy changes, policy expansion requests, exception strategies, and emerging credit issues
Perform complex portfolio, policy, exception, and risk analyses using large datasets
Identify trends, approval patterns, emerging risks, credit performance concerns, and potential policy gaps
Support oversight of servicing, collateral valuation, and exceptions
Partner with business, risk, product, operations, policy, compliance, and technology stakeholders
Translate insights into risk mitigation strategies, governance actions, and policy enhancements

Requirements

What you’ll need

7+ years of financial services experience
5+ years of experience in credit risk for home loans or other consumer products
Understanding of mortgage and home equity credit policy, underwriting standards, risk governance, regulatory expectations, and risk appetite frameworks
Ability to analyze large datasets, assess portfolio and exception performance, identify emerging risks, and develop data-supported recommendations
Ability to independently evaluate proposed credit changes, challenge assumptions, and communicate risk perspectives effectively to senior stakeholders
Bachelor’s degree is desired
Experience supporting risk transformation, analytics, AI/Copilot enablement, or process automation initiatives is a plus
Experience with collateral valuation, servicing or home equity underwriting is a plus

Benefits

Comp & perks

Affordable, competitive and flexible benefits
Support for physical, emotional, and financial wellness
Opportunities to learn, grow, and make an impact
In-office flexibility based on role-specific responsibilities and business needs