Wholesale Credit Delivery Portfolio Optimization Leader
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Job Location:
Charlotte, VT - USA
Monthly Salary:
Not Disclosed
Posted on:
Yesterday
Vacancies:
1 Vacancy
Job Summary
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Regular or Temporary:
RegularLanguage Fluency: English (Required)
Work Shift:
1st shift (United States of America)Please review the following job description:
This position provides strategic oversight of the wholesale credit portfolios ensuring alignment between credit and sales strategies while maintaining robust risk management practices. This leader will be responsible for the maximization of the portfolio composition against a forward-looking portfolio strategy.This leader will work closely with Underwriting Portfolio Management and Origination teams to evaluate portfolio strategies to promote responsible loan growth and higher profitability.
This position reports to the Head of First Line Credit Risk & Portfolio Strategy and will partner with WCD and Second Line Credit Risk to ensure credit portfolio strategies align with sales and enterprise objectives while maintaining sound risk practices.
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.
Strategic Partnership & Alignment
Bridge sales strategy and credit strategy to optimize growth while maintaining risk appetite.
Collaborate with product and relationship management teams to define client selection criteria and underwriting parameters.
Provide guidance to Wholesale Credit Delivery teams on portfolio strategies.
Deliver insights to senior leadership on market trends client behaviors and portfolio dynamics.
Portfolio Oversight & Risk Governance
Lead end-to-end oversight of wholesale credit portfolios ensuring adherence to enterprise risk management frameworks and regulatory requirements.
Monitor and manage portfolio-level risk metrics including concentration limits Key Risk Indicators (KRIs) and stress testing protocols.
Develop and maintain risk measurement methodologies for wholesale credit including exposure analysis and scenario modeling.
Collaborate with risk partners to escalate and address areas of concern including concentration and deteriorating credit quality.
Conduct portfolio reviews and trend analysis to identify patterns emerging risks and growth opportunities.
KRI Support
Partners with the WCD Risk and Regulatory Governance Leader and 2LOD Credit Risk on setting and adjusting KRI thresholds
Influences KRIs by assessing business mix identifying areas where we may want to expand or scale back activity
Provides the forward looking business lens insights that help fine tune risk appetite
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. Bachelors degree in finance economics business administration math or a related field.
2. 10 years of experience in credit risk management portfolio oversight credit strategy or related disciplines.
3. Proven ability to lead cross-functional teams and influence senior stakeholders.
4. Strong analytical skills with expertise in risk modeling KRIs and concentration risk management.
Preferred Qualifications:
1. Advanced degree (MBA MS or equivalent) in finance economics business administration or a related field.
2. Professional certifications such as CCRMP CCRM CFA FRM or PRM.
3. Experience with advanced analytics in credit risk management.
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 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 Truists generous benefit plans please visit our Benefits site. Depending on the position and division this job may also be eligible for Truists 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.
Key Skills
- Loan Processing
- Sales Experience
- Account Management
- Banking
- Pricing
- Corporate Finance
- Customer Support
- Fair Housing Regulations
- Strategic Planning
- Underwriting
- Sales Management
- Channel Management
About Company
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