Job Description: 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 and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive and flexible benefits. We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve. Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs. 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 directly managing a high-risk/criticized or distressed commercial loan portfolio. Key responsibilities include developing, negotiating, and implementing resolution strategies focused on reducing the volatility and severity of losses. Job expectations include adherence to all bank policies and regulatory requirements, proactive identification and mitigation of risks within the portfolio, and maintaining a high-level of integrity and ethical standards in all interactions. The Special Assets Group (SAG) manages the Bank’s criticized, classified, and distressed commercial credit portfolio. SAG’s primary objective is to maximize recoveries, minimize loss severity, and execute disciplined, risk-based resolution strategies that protect the Bank’s interests while preserving long-term enterprise value where appropriate. The SAG Credit Officer II is responsible for managing and resolving the Bank’s most complex criticized, classified, and distressed commercial credit relationships. The SAG Credit Officer II develops and executes resolution strategies, leads negotiations with borrowers and stakeholders, and provides subject matter expertise on complex credit situations. This role partners closely with senior leadership, Credit Risk, Legal, and line-of-business partners to drive resolution outcomes that maximize recoveries, minimize losses, and protect the Bank’s interests. “Internal employees who are currently working from home are still eligible to apply. However, if selected for the role, you may be required to work onsite in accordance with the workplace excellence policy” Responsibilities: Develops, negotiates, and implements comprehensive resolution strategies Manages and oversees adversarial collection actions (e.g. litigation, foreclosures, bankruptcies, and receiverships) Ensures compliance with bank policies and regulatory standards Oversees the asset quality of the portfolio through effective risk management practices Conducts periodic portfolio reviews Establishes and maintains collaborative partnerships with internal and external stakeholders Manage a portfolio of highly complex criticized, classified, and distressed commercial credit relationships through all stages of the resolution process Develop and execute credit resolution strategies to maximize recoveries, minimize loss severity, and protect the Bank’s interests through restructurings, repayment plans, settlements, discounted payoffs, collateral dispositions, note sales, and legal recovery actions Lead the assessment and management of complex distressed relationships, evaluating borrower performance, collateral, guarantor strength, industry conditions, and legal considerations; negotiate with borrowers and key stakeholders and present recommendations and portfolio updates to senior leadership and risk partners Drive effective portfolio management by monitoring performance, recovery trends, and risk migration; supporting forecasting, reserves, and criticized asset reporting; and mentoring associates while serving as a resource on complex credit situations and SAG process improvements Required Qualifications: 7+ years of experience in corporate workout, credit restructuring, or related risk management experience Extensive knowledge of commercial lending, credit analysis, commercial loan documentation, collateral analysis, and commercial credit structures Proven negotiation skills and experience leading borrower, sponsor, legal, and lender discussions Strong financial analysis skills, including cash flow analysis, collateral evaluation, repayment capacity assessment, and enterprise valuation concepts Ability to exercise sound credit judgment and make decisions in complex, time-sensitive situations Proven ability to work independently while influencing outcomes across multiple internal and external stakeholders Strong communication skills; ability to communicate vertically, horizontally, and externally Industry knowledge across multiple sectors Desired Qualifications: Knowledge of Business Law, a legal aptitude, strong knowledge of contracts, and knowledge of bankruptcy law Ability to work independently on complex transactions while exercising sound credit judgment Knowledge of ancillary banking products such as treasury services, derivatives, commercial cards, and deposits Strong knowledge of Commercial Loan Documentation Knowledge of Commercial Credit Structure Skills: Adaptability Collection Management Critical Thinking Problem Solving Risk Management Credit and Risk Assessment Decision Making Financial Analysis Legal Structures and Legal Forms Underwriting Client Management Loan Structuring Negotiation Oral Communications Written Communications Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent Shift: 1st shift (United States of America) Hours Per Week: 40 Pay Transparency details US - CA - Glendale - 611 N Brand Blvd - Glendale Center (CA7504) Pay and benefits information Pay range $100,000.00 - $156,600.00 annualized salary, offers to be determined based on experience, education and skill set. Discretionary incentive eligible This role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company. Benefits This role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve. Bank of America is committed to help employees through the transition period when they’re displaced as a result of a workforce reduction, realignment or similar measure. Please review the resume writing and interviewing tips provided below to help prepare you for your next career opportunity. Getting started Regardless of the position you are interested in, the starting points to building your resume are the same: 1. Determine the job or types of jobs you want to do and research their responsibilities and qualifications. 2. Think about why you can do the job and make a list of your skills that are relative to the job. 3. Identify experiences or accomplishments that show your proficiency in the skills required for the job. 4. Summarize your abilities, accomplishments and skills into a brief, concise document. Considerations when writing a resume • Do be brief. Resumes should be 1-2 pages in length. • Do be upbeat and active in your wording. • Do emphasize what you have done clearly and concretely. • Do be neat and well organized. • Do have others proofread and critique your resume. Spell check. Make it error free. • Do use high quality, white or light colored 8½ x 11 paper. Use a laser printer if possible. • Don't be dishonest, always tell the truth about yourself in the most flattering light. • Don't include salary history or requirements. • Don't include references. • Don't include accomplishments that do not support your professional goals. • Don't include anything that isn't relevant. (For example, don't mention your fondness for swimming unless you want to work on the water.) • Don't use italics, underlining, shadows or other fancy treatments. Seven steps to a successful interview 1. Anticipate –Put yourself in the interviewer's position. What do you believe the interviewer is most interested in? Why do you think you have been invited to interview? 2. Research –What are the primary functions of the line of business? What are the success factors for the job? Is there a job description available? 3. Assess –Think about your skills, abilities, knowledge, interests, traits, values and accomplishments. Match them to what you know about the job. Consider which ones you should highlight. 4. Prepare Answers –Think about what the interviewer may ask, determine what the best answer is and write it down. 5. Prepare Questions – Interviewing is a two-way street. By asking thoughtful questions, you communicate your interest and learn a lot about the job. Choose two or three questions to ask your interviewer. Avoid asking a lot of questions about vacation time or breaks. 6. Practice – It may seem awkward, but it is the best way to come across well in an interview. Practice your own "great responses" with others or in front of a mirror until you appear relaxed and at ease. 7. Follow-up – Send a brief follow-up letter to the interviewer. Keep in mind that the many job searchers will not send a follow-up letter. Sending one can become a competitive advantage. Pay Transparency - https://careers.bankofamerica.com/en-us/pay-transparency Privacy Statement - https://careers.bankofamerica.com/en-us/privacy-notice

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