Ray Lam

Associate, Wholesale Credit

What do you enjoy most about your job?

The most enjoyable part of my job is encountering new challenges every single day. Even as an analyst, I enjoy interacting and collaborating with people from different teams ranging from Global Markets, Corporate Banking, Global Transaction Services, Legal, and Risk etc. It is the exposure, challenges and steep learning curve that excites me.

How do you describe the culture at the bank?

Collaborative and supportive. BofAML has an open culture and I work directly with VP/Directors or MDs on daily basis. The teammates are also very supportive and nurture new talent. They are very willing to share their experiences, insights about risk management and provide advice to help me succeed.

The most enjoyable part of my job is encountering new challenges every single day.

What do you enjoy doing in your personal time?

I enjoy playing basketball because it keeps me well physically and mentally. It is also a great way to connect with people. Some of the basketball enthusiasts within the bank have even organized morning basketball sessions before going to work where we run drills and play ball together.   

Where do you see yourself in the future?

Through different opportunities and responsibilities, I see myself advancing my career at BofAML, developing expertise in credit risk management, learning from the bright minds around me, taking on leadership in the promoting culture of BofAML, and continuing to learn new skills.

What advice would you give to students?

BofAML is a great platform with many career opportunities. My advice to students who are interested in banking is to be prepared early on. Join our recruitment talks, talk to our people and be proactive. There are also many opportunities for you to experience working in BofAML such as Banking Connections and summer internship programs to help you understand our business and culture.


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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