Senior Credit Risk Officer I

Truist Bank • Charlotte, NC

1d

About The Position

Partner with Line of Business (LOB) team leads or segment leaders to form and execute credit strategy in line with LOB targets and Truist’s stated risk tolerance. Communicate through guidance, training, and development to support a strong credit culture. Model sound judgment informed by broad and deep credit experience, constructive partnership, and the ability to navigate complex challenges that could significantly affect Truist’s profitability.

Serve as a risk approver for Hospital, Higher Education, Government, and Senior Care specialty lines of business. Promote consistent credit culture and lending strategies across the organization, and champion the advancement of risk management culture, framework, and appetite within the assigned segment. Oversee large and specialized portfolios to support strong asset quality, manage risk concentrations, and sustain performance through business cycles. Provide risk leadership and support teammate development through engagement, coaching, mentoring, regular feedback, and constructive dialogue. Stay current on laws, regulations, risk-management techniques, and economic and market conditions.

Requirements

• Bachelor’s degree, or equivalent education and related training.
• 12 years of lending and/or credit experience.
• Widespread financial credit risk and regulatory knowledge.
• Solid accounting and financial analysis skills.
• Strong communication and interpersonal skills.
• Demonstrated leadership ability to collaborate across teams and build strong relationships.

Nice To Haves

• 15 years of 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.

Responsibilities

• Exercise prudent credit judgment and provide guidance through individual loan authority delegated by the Senior Credit Officer.
• Serve as a risk approver for Hospital, Higher Education, Government, and Senior Care specialty lines of business.
• Promote consistent credit culture and lending strategies throughout the organization.
• Champion the advancement of the organization’s risk-management culture, framework, and appetite within the assigned LOB segment.
• Oversee large and specialized portfolios to support strong asset quality, manage risk concentrations, and maintain sustainable performance through business cycles.
• Provide thought leadership and support the development and maintenance of a strong credit culture.
• Engage actively with LOB, Product Partner, and Credit Delivery teams to provide risk leadership.
• Guide, coach, and mentor teammates on sound lending principles; support their development through regular feedback and constructive dialogue.
• Stay abreast of laws, regulations, and risk-management techniques to support compliance and best practices.
• Monitor local, national, and global economic trends and market conditions.

Benefits

• Medical insurance
• Dental insurance
• Vision insurance
• Life insurance
• Disability insurance
• Accidental death and dismemberment coverage
• Tax-preferred savings accounts
• 401(k) plan
• At least 10 days of vacation during the first year, prorated based on hire date and full-time or part-time status
• 10 sick days, prorated
• Paid holidays
• May be eligible for a defined benefit pension plan, restricted stock units, and/or a deferred compensation plan, depending on position and division

What This Job Offers

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