Senior Product Specialist – Ratings Advisory

Posted 8 Days Ago
Be an Early Applicant
New York, NY, USA
In-Office
275K-350K Annually
Senior level
Big Data • Fintech • Mobile • Payments • Financial Services • Data Privacy
The Role
Advise corporate issuers across the credit spectrum on ratings implications of financings, M&A, and financial policy. Conduct credit analysis, prepare agency presentations, manage client and agency relationships, coordinate with capital markets teams, and support live transactions and strategic rating outcomes.
Summary Generated by Built In

Job Description:

Role Overview:
Senior member of the Ratings Advisory team responsible for advising corporate issuers across the full credit spectrum — from high-grade through crossover and high-yield — on the ratings implications of their financing and strategic decisions. The role combines rigorous credit analysis, agency relationship management, and cross-product capital markets partnership, and requires the ability to manage several client engagements and live transactions simultaneously in a fast-paced deal environment.

Key Responsibilities:
•    Analyze corporate credit across investment-grade, crossover, and high-yield issuers, acting as an internal proxy for the credit rating agencies (Moody's, S&P and Fitch) during deal reviews, ratings assessments, and pitch preparation.
•    Advise senior executive management — including CFOs and boards — of both new and seasoned corporate capital markets issuers on the ratings implications of new debt and equity issuances, merger and acquisition activity, shareholder enhancement strategies, and shifts in corporate financial policy.
•    Support a broad range of transaction types, from large, transformational M&A and leveraged buyouts to recapitalizations, dividend recaps, refinancings, liability management exercises, and hybrid and structured capital solutions, tailoring the ratings analysis to each situation.
•    Manage multiple client relationships and live projects concurrently, prioritizing across competing deal timelines while maintaining a high standard of analytical rigor and responsiveness.
•    Develop and present ratings strategy, agency positioning, and rating-outcome scenarios, and lead clients through the ratings process — including preparing rating agency presentations, coaching management teams, and accompanying clients to agency meetings.
•    Serve as the primary interface with the rating agencies on behalf of clients, building and maintaining agency relationships and advocating for the client's credit story throughout the ratings process.
•    Work with clients and internal deal teams — including capital markets, coverage, M&A and product partners — to structure solutions that best meet the client's corporate finance objectives while optimizing ratings outcomes.
•    Play an active role in cross-selling the firm's capital markets products to ratings advisory clients, identifying financing, hedging, and balance-sheet opportunities that align with each issuer's ratings goals.
•    Interface with clients across the full engagement lifecycle — during new business pitches, throughout the ratings process, and after a transaction has closed — to answer ongoing questions about their ratings, agency methodology changes, and interactions with the rating agencies.
•    Monitor rating agency methodology updates, sector trends, and peer developments, and proactively communicate relevant implications to clients and internal teams.

Qualifications / Attributes:
•    Deep understanding of rating agency methodologies and the credit implications of capital structure, M&A, and financial policy decisions across the full credit spectrum.
•    Strong analytical and financial modeling skills, with the ability to translate complex credit analysis into clear, actionable advice for senior client stakeholders.
•    Proven ability to manage multiple projects and deadlines simultaneously in a high-volume environment.
•    Excellent communication and relationship management skills, with the credibility to advise executive management and engage directly with the rating agencies.
•    Extensive credit experience required
 

Shift:

1st shift (United States of America)

Hours Per Week: 

40

Pay Transparency details

US - NY - New York - ONE BRYANT PARK - BANK OF AMERICA TOWER (NY1100)

Pay and benefits information

Pay range$275,000.00 - $350,000.00 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.

Skills Required

  • Deep understanding of rating agency methodologies and credit implications of capital structure, M&A, and financial policy.
  • Strong analytical and financial modeling skills to translate complex credit analysis into actionable advice.
  • Proven ability to manage multiple projects and deadlines simultaneously in a high-volume environment.
  • Excellent communication and relationship management skills, including advising executive management and engaging with rating agencies.
  • Extensive credit experience.

Bank of America Compensation & Benefits Highlights

The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Bank of America and has not been reviewed or approved by Bank of America.

  • Healthcare Strength Health coverage is described as comprehensive, with medical, dental, vision, virtual care via Teladoc, wellness programs, and specialized support for cancer and menopause. Wellness credits and an always‑on EAP with in‑person sessions add to the depth of care.
  • Parental & Family Support New parents can access up to 26 weeks of leave, including 16 weeks fully paid for eligible teammates, alongside back‑up child and adult care. Family‑building resources and reimbursements (e.g., fertility, adoption, surrogacy) and a dedicated Life Event Services team extend support across life stages.
  • Equity Value & Accessibility Broad‑based equity through the Sharing Success program, including $1B in stock to nearly all non‑executive employees in January 2026, is intended to foster an ownership mindset. Stock awards (including RSUs) are a recurring component that aligns employees’ interests with shareholders.

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The Company
HQ: Charlotte, NC
208,000 Employees
Year Founded: 1784

What We Do

We make financial lives better for our clients and our communities through the power of every connection. Our employees are at the heart of this purpose, and are key to driving responsible growth. Every day, across the globe, our employees bring a commitment to our purpose and to driving responsible growth by living our values: deliver together, act responsibly, realize the power of our people and trust the team. A key aspect of driving responsible growth is doing so in a sustainable manner, a critical pillar of which is being a great place to work for our teammates.

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