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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates extensive experience in lending and credit management, with a strong focus on financial credit risk, regulatory compliance, and strategic portfolio optimization. Proven ability to lead teams, develop credit strategies, and communicate effectively with senior executives and stakeholders.
Highest-signal resume keywords
15 Years Of Lending ExperienceFinancial Credit Risk KnowledgeStrong Communication SkillsLeadership And Team CollaborationRMA - Credit Risk Certification
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Financial AnalysisCredit Strategy DevelopmentRisk Management TechniquesPortfolio Performance MonitoringRegulatory Compliance
Soft Skills
Interpersonal SkillsCoaching And MentoringConstructive Dialogue
Certifications & Qualifications
RMA - Credit Risk Certification
Industry Keywords
Wholesale Loan PortfolioDebt And Equity Capital MarketsAsset FinanceTreasury ManagementRisk Appetite
About the role
Key responsibilities & impact- Optimize profitability of assigned segments of the wholesale loan portfolio by balancing quality, profitability, and compliance
- Partner with line-of-business segment leadership to provide thought leadership and execute credit strategy aligned with targets and Truist risk tolerance
- Promote consistency of the Bank's credit culture and lending strategies across the organization
- Lead advancement of risk management culture, framework, and appetite within the assigned segment
- Provide risk leadership, guidance, coaching, mentoring, feedback, and constructive dialogue to teammates
- Develop, communicate, and execute credit strategies, limits, and policies with segment leaders
- Exercise delegated loan authority to shape the portfolio within risk appetite and concentration management guidelines
- Monitor laws, regulations, risk management techniques, economic trends, and market conditions
- Manage highly complex decisions affecting risk and profitability
- Ensure appropriate portfolio risk ratings and monitor portfolio performance
- Identify emerging risks, develop strategies and action plans, and elevate issues to the Senior Credit Officer
- Present portfolio updates and recommendations to senior executives, Risk Oversight Committees, and regulators as requested
Requirements
What you’ll need- 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: 20 years of experience in commercial lending and/or credit experience
- Preferred: Master's degree in business administration, finance, or accounting
- Preferred: Broad product knowledge and experience, including Debt and Equity Capital Markets, Asset Finance, and Treasury Management product categories
- Preferred: Experience across a broad span of industries or deep experience within a specific industry
- Preferred: RMA - Credit Risk Certification
- English language fluency required
Benefits
Comp & perks- Medical insurance
- Dental insurance
- Vision insurance
- Life insurance
- Disability insurance
- Accidental death and dismemberment coverage
- Tax-preferred savings accounts
- 401k plan
- At least 10 days of vacation during the first year of employment (prorated)
- 10 sick days (prorated)
- Paid holidays
- Defined benefit pension plan (depending on position and division)
- Restricted stock units (depending on position and division)
- Deferred compensation plan (depending on position and division)