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Regular or Temporary:
Regular
Language Fluency: English (Required)
Work Shift:
1st shift (United States of America)
Please review the following job description:
Provide oversight to the Wholesale Banking credit delivery underwriting process through completion of commercial credit file reviews and reporting to ensure effective commercial credit risk management. Manage multiple complex processes or programs in the first line of defense that drive the alignment of Wholesale Banking risk processes with Truist risk programs, regulatory requirements, and applicable policies. Provide oversight during Regulator and Audit third party reviews and assist as needed in the remediation of any related issues or outcomes.
Essential Duties and Responsibilities
Following 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. Responsible for completing all aspects of Quality Control reviews in more complex portfolios to ensure sound judgment in the consistent monitoring of all credit, operational and compliance activities
2. Manage execution of assigned risk programs and coverage areas as an individual contributor to effectively identify, measure, report, and mitigate risks. Serve as a SME to the first line of defense for effective Quality Control Program design, implementation, and related risk mitigation.
3. Provide oversight and logistical direction during any internal or external examination or review. This will include coordination and review of first line of defense written responses and other forms of communication through the Regulatory Relations Group, Credit Risk Review and Truist Audit Services.
4. Leverage respective CCB risk governance framework to routinely report on risk results and escalate concerns to CCB management and second line of defense partners
5. Utilize analytical tools as appropriate to support independent assessments of risk taken by first line teammates
6. Participate in projects and working groups periodically assigned with internal and external groups providing thought leadership, input, feedback and/or subject matter expertise
7. Stay abreast of commercial credit processes, policies and procedures and adjust administration of owned programs and platforms accordingly
8. Support the execution of credit risk management initiatives and credit delivery at the direction of the CCD Manager and the Head of Commercial Community Bank
Required 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 in Business, Finance, or science/academic field or equivalent education and related training
2. Seven to ten years of risk management experience in commercial credit underwriting, regulatory/compliance, and risk management
3. Comprehensive knowledge of risk management principles, regulatory requirements, and related department processes
4. Highly organized with ability to handle multiple tasks under tight time constraints, ability to interpret information logically
5. Ability to think critically, multi-task and drive change
6. Uses logic to make complex decisions with a significant impact on department results; specifically during Regulatory Examinations or internal Audit and Credit Risk Review exams
7. Strong leadership and communication skills
Preferred Qualifications:
1. Master’s degree with 10 years of work experience in credit, operational and compliance in a lending environment
2. Ten to twelve years of risk management experience in financial services or related field
3. Financial Risk Manager (FRM)/Certified Financial Analyst (CFA) or equivalent advanced certification
4. Project management experience
5. Computer coding skills such as SAS
#Charlotte #Atlanta #Winston-Salem #GreaterDC
General Description of Available Benefits for Eligible Employees of Truist Financial Corporation: 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.
Truist supports a diverse workforce and is an Equal Opportunity Employer that does not discriminate against individuals 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.
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