Consumer Portfolio Risk Officer II

Language Fluency: English (Required) Work Shift: 1st shift (United States of America) Job Grade: 108 Job Description Assist with strengthening portfolio performance via portfolio management activities for direct to consumer lending (including mass affluent banking). Monitor Truist's direct to consumer portfolio across all channels and segments to maximize the quality, profitability and growth of the portfolio. Provide value-added credit insight and actionable recommendations to production leaders, fulfillment leaders, regional management teams, default management teams and other personnel. Execute on activities around portfolio management for the bank’s direct to consumer segment to ensure comprehensive, systematic risk management consistent with the Bank’s risk appetite and framework. Responsibilities Translate risk appetite into prudent risk processes through effective policies, procedures and limits. Execute daily, weekly, and monthly portfolio management tasks such as monitoring transactional exceptions, approving charge-offs, credit sampling, and conducting QC activities. Assist in risk management efforts and initiatives such as updating policy and procedures and reviewing portfolio reports for anomalies, elevating findings to leadership. Provide management observations related to portfolio segment or assigned regional loan portfolio to achieve planned objectives and identify regional risks and trends. Work closely with regional management to discuss these risks and trends and help develop corrective action plans. Identify lenders that require additional coaching and mentoring and maintain appropriate documentation. Establish and maintain mutually supportive relationships with internal and external Retail Community Bank teammates. Serve as the primary contact for regional leaders regarding portfolio questions, communicate expectations relating to quality, profitability and growth of the DTC portfolio. Help instill the Truist credit culture, raise awareness of key risk management issues to leadership, and serve as an educational resource for retail credit training instructors and coach and mentor DTC teammates through Quality Control reviews. Monitor problem assets (delinquent loans, non-performing assets, charge-offs) to limit losses through regular communication with Special Assets. Execute on the designated process for reviewing/approving charge-offs, foreclosures, repossessions and workout loans. Conduct special projects as requested, such as guideline reviews for loan products, performance evaluation by channel, and special risk analysis. Required Qualifications Bachelor’s degree in Business or related field, equivalent education, or related training. Seven or more years of large bank experience with emphasis in loan administration and credit risk management. Strong credit and analytical skills. Strong verbal and written communication skills. Knowledge of bank operations/systems, compliance/regulatory issues. Experience in a multi-project work environment. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Preferred Qualifications Master’s degree, equivalent additional education or related training. Graduate of a higher level banking school or involvement in industry groups. Experience in a multi‑project or multi‑responsibility environment. 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 401k 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. For more details on Truist’s generous benefit plans, please visit our Benefits site. 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. #J-18808-Ljbffr Cooper Lighting Solutions