The position is described below. If you want to apply, click the Apply Now button at the top or bottom of this page. After you click Apply Now and complete your application, you'll be invited to create a profile, which will let you see your application status and any communications. If you already have a profile with us, you can log in to check status. Regular Language Fluency:  English (Required) Work Shift: 1st shift (United States of America) Please review the following job description: Ensure the efficient and balanced risk management of the credit adjudication, credit policy, portfolio management, loss forecast, and overall credit processes for the assigned Consumer Credit horizontal domain or business unit within the Consumer Credit and Policy Management team. Assist Manager in providing portfolio/segment oversight and evaluate controls, while providing value-added credit insight and actionable recommendations to production leaders, fulfillment and underwriting leaders, servicing management teams, default/loss mitigation teams and other lending personnel. Oversee the risk management and administration for the specific portfolio segment or processes (as determined by Manager). Credit exposures in scope include Direct to Consumer, Small Business, BankCard, Mortgage, Consumer Wealth Management, Indirect Lending, and Auto (prime and sub-prime lending). 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. Provide credit risk management direction and leadership to assigned portfolio segments in order to achieve planned objectives and identify segment or regional risks and trends. Perform "forensic" credit analysis to identify outliers or early-stage issues with particular products, regions, and fulfillment centers. Tactically "attack" potential problems. This includes evaluating and monitoring consumer concentration risk and exceptions portfolio targets. Provide independent credit decision adjudication of large, complex, or exception based transactions within the assigned portfolio segment and delegated lending authority.  Perform portfolio segment analysis and review of potential targets or acquisitions, as required. Work closely with Business Unit (BU) leaders, Consumer Senior Credit and Policy Officer, and Manager to discuss these risks and trends and help develop corrective action plans. 2. Ensure sound and efficient risk management techniques are implemented and maintained in key portfolio risk functions e.g. portfolio administration, risk mitigation/fraud and default management. Consider credit risk practices and techniques utilized by other Bank lending groups, industry peers and vendor best practices. 3. Review components of a consumer BU credit risk management processes within origination and servicing. Identify potential areas for improvement to credit risk management. Consider correlated risk issues that may contribute to credit risk. Consider credit risk practices and techniques utilized by other Bank lending groups, industry peers and vendor best practices. Act as the catalyst for credit risk improvement. 4. Provide expertise/membership in various key credit functions/committees (Asset Quality meetings, Business Unit Risk Committees, Consumer Credit Working Group, Truist Risk Appetite framework). 5. Communicate expectations relating to quality, profitability and growth of the portfolio segment including participation in the approval and monitoring of pricing strategies as directed. Help to instill the Truist credit culture. Raise the awareness of key risk management issues to teammates, management; monitor, evaluate and influence regional execution. Serve as an educational resource for credit training. 6. In conjunction with the BU and Consumer Credit Risk and Policy Management, ensure that new or revised product offerings, product delivery, and refinements are consistent with Bank's prescribed risk appetite 7. Oversee the credit review process in the BUs; monitor a limited targeted sample of loan approvals as necessary via loan underwriting and review forums. 8. Monitor lender, dealer, correspondent or underwriter scorecards used to monitor loan quality and certain performance indicators for each lender. 9. Monitor problem assets of assigned segments (delinquent loans, non-performing assets and charge-offs) to limit credit losses through regular communication with loss mitigation teams and Default Management. 10. Perform process and policy review related to key origination, servicing, and default/loss mitigation activities of the consumer portfolios. Write, review and recommend for approval loan origination, servicing, and credit-related policies prior to submission to Manager and Consumer Senior Credit and Policy Officer, and ultimately Credit Risk Program Committee.  Monitor peer and industry developments related to retail lending, compliance, analytics and technology, and make recommendations for enhancements to credit policies, procedures, and systems. 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 in Business; or equivalent education and related training. 2. 10 years of credit related experience including complex lending structures, documentation skills, modeling skills and problem loan experience 3. 7 plus years of related experience, including consumer, small business, credit card, mortgage and wealth 4. Consumer risk and regulatory knowledge 5. Superior ability to think strategically, multi-task, and drive change 6. Strong quantitative, governance and analytic abilities 7. Strong decision making capability 8. Strong leadership, partnership and management skills 9. Demonstrated excellent problem solving 10. Strong verbal and written communication skills. Preferred Qualifications: 1. 12 plus years credit related experience 2. Master's degree in business administration, finance or accounting 3. Graduate of industry banking school(s) 4. Member or in a leadership position with an industry professional association 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 . 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.