Sr. Credit Risk Officer II - Commercial Real Estate (CRE)

Truist Bank•New York, NY

8d•Onsite

About The Position

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. Demonstrates strong judgment, relationship orientation, enterprise mindset, and commitment to continuous improvement, fostering collaboration across functions and markets to improve execution quality and consistency. Leverages deep credit expertise to navigate complex challenges, provide thought leadership, and support sound risk decisions that align with Truist's strategic, financial, and risk management objectives. Helps build a high-performing credit culture through coaching, knowledge sharing, continuous improvement, and active engagement in initiatives that enhance execution quality, risk management effectiveness, and organizational performance.

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

Nice To Haves

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 or industries or deep experience within a specific industry
RMA - Credit Risk Certification
Experience applying artificial intelligence to improve business processes in the lending environment.

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