Isaac Bracey

Assistant Vice President, Global Risk

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.

The culture at the bank is very collaborative and they take the necessary initiatives to develop talent.

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.


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Which of these teams most appeals to you?

Banking, markets & finance

Banking, markets and finance roles across the bank work directly with our customers across the U.S. and companies and institutional clients globally.

Corporate functions

Teams across our corporate functions are essential specialist teams that work to ensure the strategic, efficient and successful running of the bank's day-to-day business.

Technology & operations

Global technology & operations teams help to provide the infrastructure, technology platforms and information security capabilities crucial to our ability to serve our customers and clients.

Where are you in your education?

Bachelor'sMaster'sMBAPhD Other