Senior Credit Risk

3 weeks ago

San Francisco, United States Truist Financial Full time
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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:

Provide senior level leadership to Dealer Financial Services and Marine and RV group in the areas of risk management, analytics, change management, pricing, analytics, process management, project management. Act as a member of Dealer Retail Services Senior Leadership Team (SLT) to derive and execute strategies that support growth and profitability with a keen focus on prudent risk management. Manage multiple teams focusing on distinct functional areas to drive profitable growth within Dealer Retail Services. Interface with multiple internal and external stakeholders and partners to drive the success of the line of business while representing both Dealer Financial Services and Truist with the highest standards and values.

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.

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. Manage the credit risk function for prime auto and marine/RV financing to include policy creation, risk appetite development and execution, credit box formation, scoring model development and use, automated decisioning logic, loss forecasting, portfolio return tradeoffs, etc. using robust analytics to support conclusions and decisions.
2. Manage the pricing function for prime auto and marine/RV financing to include management of rate sheet and/or rate structures, risk return reporting, vendor model management, change risk processes, communication of desired outcomes, etc.
3. Manage the quality control function for prime auto and marine/RV financing to include transactional loan reviews, scorecards for underwriters, compliance reviews, etc.
4. Manage the reporting function for prime auto and marine/RV financing to include report development, report enhancement and the move from manual efforts to more automation.
5. Manage the change risk function for prime auto and marine/RV financing to ensure risk appetite and policy goals are well bounded in the supporting applications by working with technology partners.
6. Lead other cross functional initiatives such as Resource Allocation Committee management for DRS, Community Bank Auto Lending liaison, etc.
7. Lead consensus among stakeholders related to business transformation initiatives.

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 or experience
2. Minimum of ten years of analytical experience with a focus on credit risk
3. Proficiency in applications used in analytics, reporting and credit risk management
4. Ability to work with multiple stakeholders both internally and externally
5. Excellent verbal and written communication skills

Preferred Qualifications:
1. Master's degree with specialization in Finance
2. Knowledge of credit products including origination and performance metrics

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 supports a diverse workforce and is an Equal Opportunity Employer that does not discriminate against individuals 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.

EEO is the Law Pay Transparency Nondiscrimination Provision E-Verify

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