Sr. Credit Risk Officer II

Truist Bank•Iselin, NJ

About The Position

Responsible for optimizing the profitability of assigned segments of the wholesale loan portfolio by maintaining an appropriate balance among credit quality, profitability, and compliance. The role partners with line-of-business (LOB) segment leadership to provide thought leadership and execute credit strategy in line with LOB targets and Truist’s stated risk tolerance. It supports a strong credit culture through guidance, training, and development, and applies sound judgment informed by deep credit experience across multiple portfolio types and business segments. As a senior credit risk officer for large and complex wholesale lending or specialty business segments, this position advances the organization’s risk management culture, framework, and appetite. It collaborates with LOB, product partner, and credit delivery teams; helps develop and execute credit strategies, limits, and policies; and uses delegated loan authority to shape portfolios within risk appetite and concentration guidelines. The role monitors portfolio performance and risk ratings, identifies emerging risks, develops action plans, and presents updates and recommendations to senior executives, Risk Oversight Committees, and regulators as requested.

Requirements

Bachelor’s degree, or equivalent education and related training.
15 years of experience in lending and/or credit.
Widespread financial credit risk and regulatory knowledge.
Solid accounting and 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.
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

Serve as a senior credit risk officer for large and complex segments within wholesale lending or specialty lines of business, promoting consistent credit culture and lending strategies.
Lead advancement of the organization’s risk management culture, framework, and appetite throughout the assigned segment.
Provide risk leadership and communicate as a thought leader, including guidance, coaching, mentoring, regular feedback, and constructive dialogue to support teammate development.
Partner with segment leaders to develop, communicate, and execute credit strategies, limits, and policies that support LOB targets while optimizing capital deployment and mitigating risk.
Exercise prudent credit judgment through individual delegated loan authority to shape the portfolio within risk appetite and concentration management approaches.
Stay informed about laws, regulations, risk management techniques, and local, national, and global economic trends and market conditions.
Manage highly complex decisions that may significantly affect risk and profitability.
Ensure appropriate portfolio risk ratings, monitor portfolio performance, and identify emerging risks.
Develop strategies and action plans for emerging risks, elevate issues to the Senior Credit Officer, and present portfolio updates and recommendations to senior executives, Risk Oversight Committees, and regulators as requested.

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 as applicable
10 sick days, prorated as applicable
Paid holidays
Depending on position and division, may be eligible for a defined benefit pension plan, restricted stock units, and/or deferred compensation plan
Additional incentive pay