Sr. Credit Risk Officer II - Commercial Real Estate (CRE)

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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:

Responsible for delivering disciplined credit decisions and portfolio oversight that support safe, profitable growth while maintaining alignment with Truist's risk appetite and regulatory expectations. Builds trusted partnerships with line of business and Credit Delivery teammates to provide constructive challenge, thoughtful risk insight, and practical solutions that balance client needs, asset quality, and financial performance. Demonstrates strong judgment, relationship orientation, enterprise mindset, and commitment to continuous improvement, fostering collaboration across functions and markets to improve execution quality and consistency. Leverages deep credit expertise to navigate complex challenges, provide thought leadership, and support sound risk decisions that align with Truist's strategic, financial, and risk management objectives. Helps build a high-performing credit culture through coaching, knowledge sharing, continuous improvement, and active engagement in initiatives that enhance execution quality, risk management effectiveness, and organizational performance.

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. 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

2. 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

3. 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

4. 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

5. Manage highly complex decisions that could have significant impact to risks and profitability

6. 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:

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 training

2. 15 years of combined experience in CRE and commercial lending and/or credit experience

3. Widespread financial credit risk and regulatory knowledge

4. Solid accounting/financial analysis skills

5. Strong communication and interpersonal skills with demonstrated leadership ability to collaborate across teams and build strong relationships

Preferred Qualifications:

1. 20 years of combined experience in CRE and commercial lending and/or credit experience

2. Master's degree in business administration, finance, or accounting

3. 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

4. RMA - Credit Risk Certification

5. Experience applying artificial intelligence to improve business processes in the lending environment.

The annual base salary for this position for New York based teammates is $225,000 - $275,000.

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 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.

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