Isaac Bracey

What persuaded you to work for Bank of America?

I decided to work for Bank of America because of the endless opportunities to grow and develop and the continued learning around the various lines of business. The culture at the bank is very collaborative and they take the necessary initiatives to develop talent.

How would you describe your job to a friend?

I am part of the Small Business Lending Credit Risk team under Consumer Lending Credit Risk. The main functions of my team are to establish and monitor the credit quality, risk appetite, and policy/concentration limits associated with the bank’s lending efforts to recipients of our Small Business Card, Small Business Unsecured Lines of Credit and Small Business Term Loans products. We also work closely with the business to understand the credit impact from multi product exposure, vintage loss performance, exogenous events that can affect Small Business owners and risk-reward management.

What do you enjoy most about your job?

What I enjoy most about my job is that I am able to fully delve into what Small Business Lending entails and the continued trends that we see, whether organic or questionable that can increase credit risk.  At our core, we are a lending institution and there are numerous credit risk factors that we must adhere to when loaning someone money. Lastly, being able to interact with key risk and business partners is invaluable.