Sr. Credit Risk Officer II

Job TitleResponsible 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.Essential Duties And ResponsibilitiesFollowing is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.1. 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 LOB2. 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 dialogue3. 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 profitability4. 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 conditions5. Manage highly complex decisions that could have significant impact to risks and profitability6. 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 requestedQualificationsRequired Qualifications:The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.1. Bachelor's degree, or equivalent education and related training2. 15 years of experience in lending and/or credit experience3. Widespread financial credit risk and regulatory knowledge4. Solid accounting/financial analysis skills5. Strong communication and interpersonal skills with demonstrated leadership ability to collaborate across teams and build strong relationshipsPreferred Qualifications:1. 20 years of experience in commercial lending and/or credit experience2. Master's degree in business administration, finance, or accounting3. 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 industry4. RMA - Credit Risk CertificationThe annual base salary for this position is $225,000 - $275,000. Additional incentive pay is available for this position.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. SunTrust Investment Services, Inc.