Sr. Credit Risk Officer II

Truist • Iselin, NJ

2d • $225,000 - $275,000

About The Position

Responsible for optimizing profitability of assigned segments of the wholesale loan portfolio by balancing portfolio quality, profitability, and compliance. The role partners with line-of-business (LOB) segment leadership to provide thought leadership and execute credit strategy aligned with LOB targets and Truist’s risk tolerance. It supports a strong credit culture through guidance, training, and teammate development, and applies deep credit experience across portfolio types and business segments to exercise sound judgment, build constructive partnerships, and navigate complex challenges affecting profitability.

The position serves as a senior credit risk officer for large and complex wholesale lending or specialty-business segments, advancing the organization’s risk management culture, framework, and appetite. It partners with business leaders to develop credit strategies, limits, and policies; exercises delegated loan authority; monitors portfolio performance and emerging risks; and provides updates and recommendations to senior executives, Risk Oversight Committees, and regulators as requested. The role also stays current on regulations, risk management practices, and economic and market conditions.

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 wholesale lending or specialty-business segments and promote consistent credit culture and lending strategies across the organization.
• Lead the advancement of risk management culture, framework, and appetite within the assigned LOB segment.
• Provide risk leadership and thought leadership through engagement with LOB, Product Partner, and Credit Delivery teams; guide, coach, mentor, and provide feedback to teammates on sound lending principles.
• 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 guidelines.
• Stay abreast of applicable laws, regulations, risk management techniques, economic trends, and market conditions.
• Manage highly complex decisions that may significantly affect risk and profitability.
• Ensure appropriate portfolio risk ratings, monitor performance, identify emerging risks, and develop strategies and action plans to address them.
• Elevate emerging risks 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
• May be eligible for a defined benefit pension plan, restricted stock units, and/or deferred compensation plan, depending on position and division

What This Job Offers

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