RAC Senior Credit Manager

6 months ago

Plano, United States Truist Full 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. Sales and Dealer Relations: Oversee and manage all Internal Dealer Relations and marketing activities encompassing assigned Regional Business Center Territory. Provide leadership, management and introduction of all Truist Products through Integrated Relationship Manager (IRM) and other avenues to our client dealer base.
2. Risk / Portfolio Performance: Ensure strict compliance to all guidelines and policies through effective risk management of all areas of center operations (Credit / Funding / Marketing). Provide guidance to ensure Center meets all State and Federal Regulatory and Compliance standards.
3. Staff Management: Provide management and leadership to all credit underwriters and loan processor teammates within the Regional Business Center to ensure a Perfect Client Experience (PCE) and positive engagement environment. Inclusive of hiring, training and daily guidance to ensure all designated responsibilities and duties are accomplished per Truist standards. Mentor all lines of management (Credit Underwriter, Loan Processing Manager and Loan Processor’s) as direct reports to develop through Truist standards for growth and development. 
4. Credit and Compliance Management: Provide training and guidance to all credit staff to ensure compliance with all established guidelines and policies. Review and provide extensive training related to all formal audits (internal, state and federal regulatory) to ensure compliance.
5. Strategic Planning and Budget Management: Participate in the development of strategic planning for the Regional Business Center. This includes, but not limited to, industry and competitor programs and pricing, socio economic indicators and all other issues that may impact overall performance and growth. Continual awareness of the moving market and competitors and providing information promptly to Senior Management to enable required adjustments to pricing and programs.
6. Loan Process Management: Work with Loan Processing teammates and leadership to ensure compliance to all guidelines and policies. Ensure that all funded loans are accurate and prevent any fraudulent activity or misrepresentation as this is our most crucial line of defense in Risk Management.
7. Key Performance Indicators (KPI’s): Manage Regional Business Center to ensure that all designated KPI’s are achieved as presented by Senior Management. Will participate in establishing KPI goals, conducting frequent meetings with all departments and providing leadership to ensure all goals are accomplished. 
8. Other Critical Tasks and Duties assigned including, but not limited to all Human Resource issues for staff (performance reviews, scheduling, discipline, etc.).


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. Five years of indirect automotive lending or related industry experience.
3. Two years of successful experience in a management role
4. Excellent problem solving and analytical skills
5. Ability to build teams and delegate effectively
6. Appropriate computer skills
7. Excellent interpersonal and communication skills
8. Effective time management and organizational skills
9. Ability to travel, occasionally overnight


Preferred Qualifications:
1. Knowledge of systems and operations supporting the regional business center.
2. Excellent verbal and written communication skills.
3. Experience with CRM systems.
4. Established dealer client relationships within existing market.

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.

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