Sr. Credit Risk Officer II

Truist Financial Corporation; EUA; Teletrabalho; USD 225 000 - 275 000; Tempo integral

Vantagens oferecidas por esta oferta de emprego

Incentive pay available

Benefits package

Resumo da oferta

Truist Financial Corporation is seeking a Senior Credit Risk Officer to optimize profitability in large and complex wholesale segments, balancing risk, compliance, and capital deployment. You will lead risk culture, guide strategy, and mentor teams to ensure sound lending principles and portfolio performance.

Responsibilities include developing credit strategies, ensuring regulatory compliance, and presenting updates to senior executives and risk committees.

Qualificações

• Bachelor’s degree or equivalent education and training.
• 15 years of lending/credit experience.
• Widespread financial credit risk and regulatory knowledge.
• Strong accounting/financial analysis skills.
• Excellent communication and leadership abilities.

Responsabilidades

• Serve as a senior credit risk officer for large and complex wholesale segments.
• Promote a consistent credit culture and lending strategies.
• Lead risk management framework and risk appetite.
• Provide guidance and mentoring to teammates on lending principles.
• Develop and execute credit strategies and policy with segment leaders.
• Monitor risk and portfolio performance, present updates to executives and regulators.

Conhecimentos

Bachelor's degree

Credit risk experience

Regulatory knowledge

Financial analysis

Leadership

Communication skills

Formação académica

Bachelor's degree or equivalent

Master’s degree in business administration, finance, or accounting

Descrição da oferta de emprego

Need Help?

If you have a disability and need assistance with the application, you can request a reasonable accommodation. Send an email to Accessibility (accommodation requests only; other inquiries won’t receive a response).

Regular or Temporary:

Regular

Language Fluency: English (Required)

Work Shift:

1st shift (United States of America)

Please review the following job description:

Responsible for optimizing profitability of a segment(s) of the wholesale loan portfolio by maintaining proper balance among quality, profitability and compliance in the assigned portfolio. Partner with LOB segment leadership to provide thought leadership and execute credit strategy in line with LOB targets and Truist stated risk tolerance. Communicates effectively through guidance, training and development in support of building and maintaining a strong credit culture. Models behaviors that reflect strong judgment capabilities gained through deep and comprehensive credit experience across multiple types of portfolio and business segments, constructive partnership and ability to navigate complex challenges that have potential impact on Truist profitability.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.

1. Serve as a senior credit risk officer for large and complex segments within wholesale lending or specialty lines of businesses. Promote consistency of Bank’s credit culture and lending strategies throughout organization. Responsible for leading the advancement of the organization’s risk management culture, framework, and appetite throughout the assigned segment within the LOB

2. Communicate effectively as a thought leader to support development and maintenance of a strong credit culture. Provide risk leadership through ongoing active engagement with LOB, Product Partner, and Credit Delivery teams including guidance, coaching and mentoring to teammates on sound principles of lending and support their development through regular feedback and constructive dialogue

3. Partner with segment leaders to develop, communicate, and execute credit strategies, limits, and policies that support LOB targets while maintaining disciplined approaches to optimizing capital deployment and mitigating risk. Exercise prudent credit judgment through individual delegated loan authority to shape portfolio within risk appetite guidelines and concentration management approaches that create sustainable profitability

4. Stay abreast of laws, regulations and risk management techniques to ensure compliance and best practices in risk management. Stay abreast of local, national, and global economic trends and market conditions

5. Manage highly complex decisions that could have significant impact to risks and profitability

6. Ensure appropriate Risk Rating for the portfolio, monitor portfolio performance, identify areas of emerging risks. Develop strategies and action plans for emerging risk, and elevate to Senior Credit Officer and present portfolio updates and recommendations to senior executives, Risk Oversight Committees, and regulators as requested

QUALIFICATIONS

Required Qualifications:

The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

1. Bachelor’s degree, or equivalent education and related training

2. 15 years of experience in lending and/or credit experience

3. Widespread financial credit risk and regulatory knowledge

4. Solid accounting/financial analysis skills

5. Strong communication and interpersonal skills with demonstrated leadership ability to collaborate across teams and build strong relationships

Preferred Qualifications:

1. 20 years of experience in commercial lending and/or credit experience

2. Master’s degree in business administration, finance, or accounting

3. Broad product knowledge and experience, including Debt and Equity Capital Markets, Asset Finance, and Treasury Management product categories Experience across a broad span or industries or deep experience within a specific industry

4. RMA - Credit Risk Certification

The annual base salary for this position is $225,000 - $275,000. Additional incentive pay is available for this position.

General Description of Available Benefits for Eligible Employees of Truist Financial Corporation: All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position.Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist’s generous benefit plans, please visit our Benefits site. Depending on the position and division, this job may also be eligible for Truist’s defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work.

Truist is an Equal Opportunity Employer that does not discriminate on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status, or other classification protected by law. Truist is a Drug Free Workplace.

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