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About the Role

Responsible for delivering disciplined credit decisions and portfolio oversight that support safe, profitable growth while maintaining alignment with Truist's risk appetite and regulatory expectations. Builds trusted partnerships with line of business and Credit Delivery teammates to provide constructive challenge, thoughtful risk insight, and practical solutions that balance client needs, asset quality, and financial performance.

Responsibilities

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 the organization.
Lead the advancement of the organization's risk management culture, framework, and appetite throughout the assigned segment within the LOB.
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.
Offer guidance, coaching, and mentoring to teammates on sound principles of lending.
Support teammate development through regular feedback and constructive dialogue.
Partner with segment leaders to develop, communicate, and execute credit strategies, limits, and policies.
Optimize capital deployment and mitigate risk.
Exercise prudent credit judgment through individual delegated loan authority to shape portfolio within risk appetite guidelines and concentration management approaches.
Stay abreast of laws, regulations, and risk management techniques to ensure compliance and best practices.
Stay abreast of local, national, and global economic trends and market conditions.
Manage highly complex decisions that could have significant impact to risks and profitability.
Ensure appropriate Risk Rating for the portfolio.
Monitor portfolio performance and identify areas of emerging risks.
Develop strategies and action plans for emerging risk.
Elevate emerging risks to Senior Credit Officer.
Present portfolio updates and recommendations to senior executives, Risk Oversight Committees, and regulators as requested.

Requirements

Bachelor's degree, or equivalent education and related training.
15 years of combined experience in CRE and commercial lending and/or credit experience.
Widespread financial credit risk and regulatory knowledge.
Solid accounting/financial analysis skills.
Strong communication and interpersonal skills with demonstrated leadership ability to collaborate across teams and build strong relationships.
20 years of combined experience in CRE and commercial lending and/or credit experience.
Master's degree in business administration, finance, or accounting.
Broad product knowledge and experience, including Debt and Equity Capital Markets, Asset Finance, and Treasury Management product categories.
Experience across a broad span of industries or deep experience within a specific industry.
RMA - Credit Risk Certification.
Experience applying artificial intelligence to improve business processes in the lending environment.

Skills

Credit decisions
Portfolio oversight
Risk appetite
Regulatory expectations
Partnership building
Risk insight
Client needs assessment
Asset quality optimization
Financial performance analysis
Judgment
Relationship orientation
Enterprise mindset
Continuous improvement
Collaboration
Credit expertise
Thought leadership
Risk management
Strategic alignment
Financial management
Coaching
Knowledge sharing
Execution quality enhancement
Organizational performance improvement
Credit culture development
Lending strategies
Risk management culture
Risk management framework
Credit strategies
Credit limits
Credit policies
Capital deployment optimization
Risk mitigation
Credit judgment
Delegated loan authority
Concentration management
Sustainable profitability
Compliance
Best practices in risk management
Economic trend analysis
Market condition analysis
Complex decision management
Risk rating
Portfolio performance monitoring
Emerging risk identification
Action plan development
Accounting
Financial analysis
Communication
Interpersonal skills
Leadership
Team collaboration
Relationship building
Product knowledge
Debt Capital Markets
Equity Capital Markets
Asset Finance
Treasury Management
Artificial intelligence application

Location

United States of America

Work Type

Regular
1st shift

Experience Level

15 years
20 years

Education Level

Bachelor's degree
Master's degree

Salary/Compensations

$225,000 - $275,000

Benefits

Medical insurance
Dental insurance
Vision insurance
Life insurance
Disability insurance
Accidental death and dismemberment insurance
Tax-preferred savings accounts
401k plan
10 days of vacation (prorated)
10 sick days (prorated)
Paid holidays
Defined benefit pension plan (potential)
Restricted stock units (potential)
Deferred compensation plan (potential)

About the Company

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.

Equal Opportunity

EEO is the Law
IER Right to Work