First Line Credit Risk and Portfolio Strategy Leader

Truist • Atlanta, GA

23d

About The Position

The Head of First Line Credit Risk and Portfolio Strategy is a senior leadership role reporting into the Head of Wholesale Credit Delivery. This position is responsible for providing strategic oversight and direction across Wholesale credit delivery’s risk governance and portfolio strategy optimization. This leader bridges credit risk management, portfolio construction, regulatory governance, and performance analytics to ensure alignment with Enterprise and Wholesale Banking objectives, regulatory requirements, and market-leading standards. The role fosters cross-functional collaboration, drives innovation, and ensures operational excellence in managing credit portfolios for institutional and wholesale clients. This position will manage a team.

Requirements

• 15+ years of experience in credit risk management, portfolio oversight, credit strategy, or related disciplines.
• Deep expertise in credit risk concepts, regulatory frameworks (e.g., OCC, Basel), portfolio analytics, and technology-driven process improvement.
• Proven ability to lead cross-functional teams, influence senior stakeholders, and navigate complex governance structures.
• Exceptional analytical, written, and verbal communication skills; confident spokesperson in executive and regulatory settings.

Nice To Haves

• Advanced degree (MBA, MS, or equivalent) in finance, economics, business administration, or a related field.
• Professional certifications such as CFA, FRM, or PRM.
• Experience with digital transformation initiatives or implementation of advanced analytics in credit risk management.
• Demonstrated success in managing regulatory examinations and remediation efforts.

Responsibilities

• Risk and Regulatory Governance: Serve as the strategic connector between first line credit delivery, second line credit risk, and enterprise partners. Ensure disciplined risk ownership, represent the organization in governance forums and regulatory engagements, and drive clarity across risk and regulatory issues. Interpret and integrate regulatory guidance into operational frameworks, policies, and credit risk practices.
• Key Risk Indicators (KRIs) and Compliance: Partner with risk and regulatory leaders to set, monitor, and adjust KRI thresholds, influencing business mix and risk appetite. Own first line responsibilities for KRI calibration, reporting, and escalation. Ensure compliance processes, alerts, and documentation are consistently maintained and aligned with enterprise and regulatory standards.
• Strategic Partnership & Portfolio Optimization: Align credit and sales strategies to optimize portfolio growth and profitability while maintaining robust risk practices. Collaborate with product, relationship management, investment, finance, and IT teams to define client selection criteria, underwriting parameters, and technology-driven process improvements. Deliver market and portfolio insights to senior leadership, supporting responsible loan growth and enhanced portfolio composition.
• Portfolio Oversight & Performance Analytics: Lead end-to-end oversight of credit portfolios, ensuring adherence to risk management frameworks and regulatory standards. Automate data solutions, establish reporting systems, and monitor risk and performance metrics at fund and enterprise levels. Conduct portfolio reviews, trend analyses, and scenario modeling to identify emerging risks and growth opportunities.
• Cross-Functional Leadership & Culture: Mentor and lead cross-functional teams, fostering a culture of accountability, transparency, and proactive risk identification. Advocate for balanced growth and prudent risk-taking, communicate effectively with senior leadership and regulators, and ensure clarity and consistency across credit delivery and enterprise stakeholders.

Benefits

• 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.
• 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level