Testing Specialist II – Senior Mortgage Underwriter Charlotte, North Carolina;Atlanta, Georgia; Newark, Delaware; Plano, Texas; Chandler, Arizona; Phoenix, Arizona; Chicago, Illinois; Jacksonville, Florida **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. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day. One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We’re devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being. Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization. Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us! **Job Description:** This job is responsible for accurate and timely test development and execution and/or supporting operational and administrative activities related to the end to end test execution process. Key responsibilities of the job include executing high quality testing in accordance with the test script, documenting and escalating defects, preliminary reporting and analysis of results, and collaborating with Compliance and Operational Risk officers and/or Front Line Unit (FLU) process owners on the identification of themes and trends at the Front Line Unit (FLU), control function and Enterprise level. **Responsibilities:** + Conducts independent testing on a team in support of coverage needs identified by Compliance and Operational Risk officers and/or Front Line Unit process owners, inclusive of transactional, qualitative, onsite, employee quality review, and surveillance testing + Identifies, documents, and escalates defects identified during testing, working closely with Compliance and Operational Risk officers and/or Front Line Unit process owners to validate preliminary results + Collaborates with Compliance and Operational Risk officers and/or Front Line Unit process owners on the identification of themes and trends at the Front Line Unit, control function and enterprise level + Manages the quality of the end to end execution process in accordance with the Independent Testing Enterprise Policy and Standard + Supports the test development process as applicable depending upon the complexity of the testing + Interacts with internal and/or external contacts to identify, research, analyze, and resolve complex problems **Skills:** + Adaptability + Attention to Detail + Collaboration + Monitoring, Surveillance, and Testing + Problem Solving + Data Privacy and Protection + Influence + Issue Management + Reporting + Underwriting + Interpret Relevant Laws, Rules, and Regulations + Quality Assurance **Team Overview:** Global Risk Analytics (GRA) and Enterprise Independent Testing (EIT) are sub-lines of business within Global Risk Management (GRM). Collectively, they are responsible for developing a consistent and coherent set of models, analytical tools, and tests for effective risk and capital measurement, management and reporting across Bank of America. GRA and EIT partner with the Lines of Business and Enterprise functions to ensure the capabilities it builds address both internal and regulatory requirements, and are responsive to the changing nature of portfolios, economic conditions, and emerging risks. In executing its activities, GRA and EIT drive innovation, process improvement and automation. **Job Summary:** Enterprise Independent Testing (EIT) Consumer Banking Testing (CBT) is responsible for Consumer testing aligned to Retail, Preferred, Small Business, Global Consumer Operations, and Consumer Global Compliance and Operational Risk. EIT has established itself as the enterprise utility to test all end-to-end processes on behalf of Second Line of Defense, Frontline Units (FLUs) and Control Functions (CFs), enabling more efficient and effective testing. EIT is transforming the way testing is built and executed with digital transformation, implementing automation, and leveraging cutting edge Artificial Intelligence/Natural Language Processing technologies. EIT carries a portfolio of 8,000+ tests and has a global footprint of testing professionals across the United States, Europe, Asia and Latin America as well as Global Business Services (GBS) associates. This job is responsible for accurate and timely test execution and/or supporting operational and administrative activities related to the end-to-end test execution process. Key responsibilities of the job include executing high quality testing in accordance with the test script, documenting and escalating defects, preliminary reporting, and analysis of results, and collaborating with Compliance and Operational Risk officers and/or Front-Line Unit (FLU) process owners on the identification of themes and trends at the Front-Line Unit (FLU), control function and Enterprise level. **Role Overview:** + As a Testing Specialist II, main responsibilities include: + Accountable for accurate and timely test execution + Execute testing requiring administrative judgment in the execution of complex testing according to the determined scope + Independently identify risk defects and root cause for finding placement and details defects + Examine loan documentation for accuracy and completeness + Provide training and direction to more junior staff as appropriate + Elevate errors and recommends enhancements as appropriate + Review reversal requests/arbitration appeals as well as analyze results + Work special projects as necessary + Subject Matter Expert (SME) on appointed tests collaborating with business partners, etc. + Perform Quality Assurance Testing + Contributes to Test Development Intakes as needed, including test script edits and pilot testing + Create and submit redlined test scripts for Simple Path processing + Point-of-contact for Support Lead or assist Testing Lead when needed **Required Education & Experience:** + Bachelor’s Degree or equivalent experience + Minimum 5 years’ experience in residential loan underwriting including Conforming, Nonconforming, HELOC, Custom, FHA and VA **Required Skills:** + Delegated senior mortgage underwriter + Applies critical thinking and connects the dots on how processes relate to one another. + Drives Operational Excellence + Acts with Courage and Conviction + Strong written, verbal and delivery skills. + Strong Partnership and Influencing Skills + Attention to Detail + Adaptability + Collaboration + Problem Solving + Organized and able to multi-task in a fast-paced environment + Ability to think independently, solve complex problems, and suggest solutions. + Ability to test across multiple lines of business + Sees opportunities, risks, and connections while engaging with others across different functions and connecting the dots across the organization + Proficient in the Microsoft suite with an emphasis on excel **Desired Skills:** + Interpret Relevant Laws, Rules, and Regulations + HUD DE and VA LAPP/Automatic Certifications preferred. **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity and affirmative action, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. To view the "EEO is the Law" poster, CLICK HERE (https://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf) . To view the "EEO is the Law" Supplement, CLICK HERE (https://www.dol.gov/ofccp/regs/compliance/posters/pdf/OFCCP\_EEO\_Supplement\_Final\_JRF\_QA\_508c.pdf) . View the LA County Fair Chance Ordinance (https://dcba.lacounty.gov/wp-content/uploads/2024/08/FCOE-Official-Notice-Eng-Final-8.30.2024.pdf) . Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy (“Policy”) establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. To view Bank of America’s Drug-free Workplace and Alcohol Policy, CLICK HERE . This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.