Credit Risk Officer I

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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 team to provide thought leadership and execute credit strategy in line with LOB targets and Truist stated risk tolerance. Communicate 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 comprehensive credit experience across the commercial portfolio and ability to navigate 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. Exercise prudent credit judgment and guidance through individual delegated loan authority

2. Serve as a risk approver for commercial/wholesale lending or specialty lines of businesses. Promote consistency of Bank's credit culture and lending strategies throughout organization. Responsible for championing the advancement of the organizations risk management culture, framework, and appetite LOB

3. Provide oversight to the small to moderate sized portfolios to ensure strong asset quality, manage risk concentrations, and sustainable performance through business cycles

4. Aid in the coaching and development of client facing lenders/Relationship Managers

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

6. Manage decisions that could have significant impact to risks and profitability

7. 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

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. 5 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. 10 years of experience in commercial lending and/or credit experience

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

3. RMA - Credit Risk Certification

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 supports a diverse workforce and is an Equal Opportunity Employer that does not discriminate against individuals 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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