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. Bachelor’s 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 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 Truist9s generous benefit plans, please visit . Depending on the position and division, this job may also be eligible for Truist9s 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.