Senior Credit Risk Officer II- Middle Market and Commercial Bank

Senior Credit Risk Officer – Florida This Senior Credit Risk Officer will support Middle Market and Commercial opportunities within one of our target high growth markets, Florida. This role will work on optimizing profitability of a segment(s) of the wholesale loan portfolio by maintaining proper balance among quality, profitability and compliance in the assigned portfolio. 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. Qualifications Required Qualifications 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. Preferred Qualifications 20 years of experience in commercial lending and/or credit experience, inclusive of leveraged lending with sponsor-owned businesses. 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. Benefits All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax‑preferred savings accounts, and a 401(k) plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full‑time or part‑time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. Depending on the position and division, this job may also be eligible for Truist’s defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non‑temporary position for which you apply, based on full‑time or part‑time status, position, and division of work. EEO Statement Truist is an Equal Opportunity Employer that does not discriminate on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status, or other classification protected by law. Truist is a Drug Free Workplace. EEO is the Law. E-Verify. Right to Work. #J-18808-Ljbffr