Independent Credit Risk Strategy Lead

Habitat For Humanity Of Durham; Raleigh (NC); On-site; USD 120,000 - 180,000; Full time

Benefits offered by this job

Medical, dental, vision insurance

401k plan and pension considerations

Vacation and sick days • paid holidays

Job summary

Truist Financial Corporation is seeking a senior-level risk professional to review and challenge credit decision strategies across Consumer Lending products, including marketing, originations, management, and collections.

The role includes governance participation, policy maintenance, and collaboration with Business Units to maintain strong asset quality and compliant risk management practices.

Qualifications

• Bachelor's degree in Business or equivalent required.
• 7+ years of credit-related experience including underwriting/credit approval.
• Experience with consumer, small business, credit card, mortgage and wealth sectors.
• Knowledge of consumer risk and regulatory requirements.
• Strong strategic thinking and multi-tasking abilities.
• Advanced analytical and governance capabilities.
• Strong decision-making and communication skills.

Responsibilities

• Develop and implement credit policies, guidelines, and procedures with business units and defense lines.
• Promote consistent credit culture and lending strategies across the organization.
• Provide oversight to BU leaders to ensure asset quality and manage risk concentrations.
• Perform independent credit risk assessments on BU transactions and provide feedback.
• Manage loan/operational authority systems of record and conduct control assessments.
• Monitor delinquent loans, non-performing assets, and charge-offs; coordinate with loss mitigation and Default Management.
• Provide analytical input on product guidelines based on performance and industry data.
• Support training and communication on policies as needed.
• Assist in developing committee presentations with independent analysis.
• Coach and develop BU teammates.

Skills

Strategic thinking

Advanced quantitative skills

Verbal and written communication

Decision making

Education

Bachelor's degree in Business or related

Master's degree (preferred)

Job description

Truist Financial Corporation is seeking a senior-level risk professional to review and challenge credit decision strategies across Consumer Lending products, including marketing, originations, management, and collections.

The role includes governance participation, policy maintenance, and collaboration with Business Units to maintain strong asset quality and compliant risk management practices.