As a former credit counselor, I can tell you that some positions are almost quite possibly out for you now, particularly in finance. I know you're a different person, and I totally relate to how much it sucks to have something from a different life pose a threat to your future. So here's what I'd do:
1. Make sure your credit is PRISTINE. You can achieve fabulously high scores post-br; it just takes a little time and good credit management. Check this out for a quick and dirty on good credit management:
108-t43370. (And please forgive me for being a bit flippant about br in this post; I really do know how painful that situation is.)
2. Find out the details on how long BRs stay on the report. They stay on there longer post-br in certain situations, depending on the situation. I don't remember exactly what the scoop is, though.
3. Work your network. Get your buddy in finance to talk to HR. Policies will certainly vary depending on the company. You can get an idea if you do a little research.
Let me know if you have other questions - I may be able to help.