Senior Real Estate Credit Risk Manager

Bank of America; Plano (TX); On-site; USD 180,000 - 240,000; Full time

Job summary

Bank of America is seeking an experienced professional to oversee complex credit risk and drive decision quality across portfolios in the U.S. You will lead underwriting and risk governance for high-value real estate-related credit, guiding policy changes and senior stakeholder engagement.

The role requires deep regulatory knowledge, advanced analytics, and the ability to collaborate with legal, compliance, and business partners to manage elevated risk in a fast-paced environment.

Qualifications

• 10+ years of complex client credit experience, preferably within commercial or ultra-high-net-worth
• Expertise underwriting residential mortgage and home equity transactions
• Strong income, asset, and collateral analysis skills
• Knowledge of consumer real estate credit policy and risk governance
• Proven ability to identify and mitigate credit risk across loan lifecycle
• Ability to challenge proposals with data and risk judgment
• Executive-level written and verbal communication
• Collaboration across lines of business and partners
• Ability to perform in fast-paced, deadline-driven environment
• Bachelor’s degree preferred

Responsibilities

• Sets or oversees ongoing management of risk parameters for credit risk and ensures adherence to risk appetite and limits
• Supports or oversees the credit approval process and manages portfolio performance and asset quality
• Develops credit risk reporting and monitors indicators to communicate to senior management
• Ensures adherence to policy and standards and validates due diligence by the first line
• Monitors industry risk governance and potential operational, reputational and market risks
• Identifies risks early and coordinates with business partners to resolve issues
• Translates and manages action plans across varied audiences

Skills

Credit risk

Underwriting

Risk governance

Regulatory knowledge

Executive communications

Stakeholder management

Analytical thinking

Portfolio analysis

Stress testing

Cross-functional collaboration

Education

Bachelor's degree (preferred)

Job description

Bank of America is seeking an experienced professional to oversee complex credit risk and drive decision quality across portfolios in the U.S. You will lead underwriting and risk governance for high-value real estate-related credit, guiding policy changes and senior stakeholder engagement.

The role requires deep regulatory knowledge, advanced analytics, and the ability to collaborate with legal, compliance, and business partners to manage elevated risk in a fast-paced environment.