CRE Senior Credit Risk Officer II
About The Position
The Senior Credit Officer II position is expected to support the Real Estate Corporate Banking (RECB) portfolio. 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.
Requirements
- Bachelor's degree, or equivalent education and related training
- 15 years of experience in 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
Nice To Haves
- 20 years of experience in commercial lending and/or credit experience
- 5+ years of credit adjudication experience.
- Master's degree in business administration, finance, or accounting
- Broad product knowledge and experience, including Debt and Equity Capital Markets, Syndications Market, Asset Finance, and Treasury Management product categories.
- RMA - Credit Risk Certification
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 organization. Responsible for leading 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 including guidance, coaching and mentoring to teammates on sound principles of lending and support their development through regular feedback and constructive dialogue
- 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
- 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
- Manage highly complex decisions that could have significant impact to risks and profitability
- 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
Benefits
- medical
- dental
- vision
- life insurance
- disability
- accidental death and dismemberment
- tax-preferred savings accounts
- 401k plan
- vacation
- sick days
- paid holidays
- defined benefit pension plan
- restricted stock units
- deferred compensation plan
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What This Job Offers
Job Type
Full-time
Career Level
Senior
