Credit and Policy Manager II

6 months ago

Atlanta, 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. Provide independent leadership and strategic direction for complex multi-product consumer credit horizontal domains or business units to ensure the long-term objectives are appropriately balanced among quality, growth, and profitability, and ; also monitors loan-pricing, collections, and default management strategies to maximize the performance of the overall loan portfolio.
2. Single point of contact for the assigned consumer credit business unit adjudication processes including adjudication of exception approvals, portfolio acquisitions, and complex partnership arrangements.
3. Provide direct oversight to team on development and maintenance of consumer loan policies and procedures, including high standards for credit quality and guidelines around credit limits, to ensure credit is extended appropriately within consumer business units.
4. Lead a team that provides oversight and effective challenge to the first line of defense on the development of new and existing consumer lending products for clients, ensuring profitability for the business units. Develop tools and metrics to identify 'deviations from the norm" or potentially fast growing high-risk segments in the consumer portfolio.
5. Support consumer merger activity through the development and execution of effective merger integration plans.
5. Lead the integration of risk and portfolio management best practices across horizontally and by consumer product lines ensuring returns are optimized through economic credit cycles.
6. Provide direct oversight to team on the establishment, analysis, and maintenance of concentration limits, exceptions, product mix/pricing, delinquency and loss trending, product optimization, originations, and portfolio performance targets by consumer business.
7. Provide direct oversight to team to ensure integrity in the establishment, updating and maintenance of the automated decision engines and custom credit models. Provide independent leadership in the development of consumer portfolio risk-based pricing models and loan loss models involving logistic regression and other statistical techniques and emerging issues.
9. Lead a team that provides periodic loan review plans for the consumer loan portfolio by working with Credit Risk Review. 

8. Assist in the effective challenge of default management strategies including collections, repossessions, deferrals, extensions, re-ages, and other modifications
9. Prepare and deliver committee presentations for senior and executive level members to take immediate action driven by the recommendation
10. Serve as a key contact for Consumer Credit with third party assurance providers e.g. Federal and State Regulatory agencies, Credit Risk Review and Internal Audit. Establish management and administrative procedures for consumer portfolios to ensure adherence to regulatory credit policies. Engage in credit risk review and internal audits performed against consumer credit either horizontally or by business unit.

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. 15 years of credit related experience including complex lending structures, documentation skills, modeling skills and problem loan experience
3. 15 plus years of related experience, including consumer, small business, credit card, mortgage and/or wealth
4. Consumer risk and regulatory knowledge
5. Superior ability to think strategically, multi-task, and drive change
6. Superior 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. 20 plus years credit related experience, including 5+ years of default management and/or collections experience
2. Master's degree in business administration, finance or accounting
3. Graduate of industry banking school(s)
4. Serves as a 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.

  • Associate, Credit Risk

    4 weeks ago

    Atlanta, United States Greensky Credit Full time

    Duties & Responsibilities Associate, Credit Risk with GreenSky Management Company LLC in Atlanta, Georgia. Remote work permitted 3 days per week within commuting distance of Atlanta, Georgia. Provide analytical support in the identification of merchant risks and opportunities and the creation of strategic or tactical recommendations. Perform root cause...

  • Wholesale Credit Risk Manager III

    4 weeks ago

    Atlanta, United States Synovus Full time

    Job DescriptionJob Summary: Manages and monitors a portfolio of client credit exposures, across industry classes, on an ongoing basis. Underwrites credit requests including new, renewals and modifications as the credit expert within the first line of defense. Recommends credit structures and provides effective challenge while ensuring quality and...

  • Credit Operations Manager

    6 months ago

    Atlanta, 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. Provides ongoing support of the Credit Delivery credit origination and underwriting process by supporting areas...

  • Credit Acceptance Corporation | Market Area Manager

    4 days ago

    atlanta, United States Credit Acceptance Corporation Full time

    p>Credit Acceptance is proud to be an award-winning company with local and national workplace recognition in multiple categories! A great product, amazing people and our stable financial history have made us one of the largest used car finance companies nationally.Our outside sales professionals are on the front line pushing the boundaries of our company...

  • Credit Acceptance Corporation | Security Officer I

    3 days ago

    Atlanta, United States Credit Acceptance Full time

    Credit Acceptance is proud to be an award-winning company with local and national workplace recognition in multiple categories! Our world-class culture is shaped by dedicated Team Members who share a drive to succeed as professionals and together as a company. A great product, amazing people and our stable financial history have made us one of the largest...

  • Credit Assistant

    3 weeks ago

    Atlanta, United States Cynet Systems Full time

    Job Description: Must be able to conduct credit worthiness reviews via 3rd party provider/financial statements/payment history. Must have the ability to spread business finances. Working knowledge of financial ratios, a plus. Financial Services experience, credit policy, compliance & risk management background. Customer Service, Account Setup &...

  • Manager - Credit Resolution

    1 week ago

    Atlanta, United States Piedmont Healthcare Corporate Full time

    Description: RESPONSIBLE FOR: Providing leadership and overseeing the daily operations of the Credit Resolution function for Piedmont Healthcare. Functions under the responsibility of Credit Resolution include: resolving refund requests and credit balances in all of Piedmont Healthcares financial systems by reviewing the accounts, remittance advices, the...

  • Credit Acceptance Corporation | Customer Service Representative GA | atlanta, ga

    4 days ago

    Atlanta, United States Credit Acceptance Full time

    Credit Acceptance is proud to be an award-winning company with local and national workplace recognition in multiple categories! Our world-class culture is shaped by dedicated Team Members who share a drive to succeed as professionals and together as a company. A great product, amazing people and our stable financial history have made us one of the largest...

  • Credit Risk Analyst

    2 months ago

    Atlanta, United States Teal Energi Full time

    Credit Risk AnalystOur client is a major privately owned Power company and a primary energy producer for the state of Georgia with a goal of providing reliable and affordable services across a diverse power generation portfolio.Location: Atlanta, GASummary: This will be a dynamic position within the CFO organization, which will identify, analyze, monitor,...

  • Credit Risk Analyst

    1 month ago

    atlanta, United States Teal Energi Full time

    Credit Risk AnalystOur client is a major privately owned Power company and a primary energy producer for the state of Georgia with a goal of providing reliable and affordable services across a diverse power generation portfolio.Location: Atlanta, GASummary: This will be a dynamic position within the CFO organization, which will identify, analyze, monitor,...

  • Credit Risk Analyst

    2 months ago

    atlanta, United States Teal Energi Full time

    Credit Risk AnalystOur client is a major privately owned Power company and a primary energy producer for the state of Georgia with a goal of providing reliable and affordable services across a diverse power generation portfolio.Location: Atlanta, GASummary: This will be a dynamic position within the CFO organization, which will identify, analyze, monitor,...

  • Credit Risk Analyst

    2 months ago

    Atlanta, United States Teal Energi Full time

    Credit Risk AnalystOur client is a major privately owned Power company and a primary energy producer for the state of Georgia with a goal of providing reliable and affordable services across a diverse power generation portfolio.Location: Atlanta, GASummary: This will be a dynamic position within the CFO organization, which will identify, analyze, monitor,...

  • Credit Acceptance Corporation | Bilingual Customer Service Representative GA | atlanta, ga

    7 days ago

    Atlanta, United States Credit Acceptance Full time

    Credit Acceptance is proud to be an award-winning company with local and national workplace recognition in multiple categories! Our world-class culture is shaped by dedicated Team Members who share a drive to succeed as professionals and together as a company. A great product, amazing people and our stable financial history have made us one of the largest...

  • Credit Card Administrator

    1 month ago

    Atlanta, Georgia, United States Talantage, LLC Full time

    Job DescriptionAs a key member of the Talantage, LLC team, the Credit Card Administrator plays a vital role in ensuring the smooth operation of the company's credit card program. The successful candidate will be responsible for managing the day-to-day activities of the credit card process, including travel bookings, allowable purchases, and procurement...

  • Director, Tax

    2 weeks ago

    Atlanta, United States Kids II Full time

    At Kids2, we’re really good at what we do. And when we’re great at our jobs, we help parents be great at their jobs. Parenting is demanding, and that’s where we come in. We want to reimagine how brands can make it easier for early stage parents – not by just selling them products, but by providing holistic solutions that transcend borders,...

  • Dir Credit Scoring Initiatives

    4 weeks ago

    Atlanta, United States Synovus Full time

    Job Summary Director, Credit Scoring Initiatives provides strategic direction, execution and management of the Consumer and Commercial Purpose decision trees and strategies including the selection and continuous validation of scorecard models. Plays a key role in determining the effectiveness of existing credit strategies and proactively makes...

  • (CSSNA) Credit Assistant

    3 weeks ago

    Atlanta, United States ICONMA Full time

    Our Client, a Global Power Technology Leader company, is looking for a Credit Assistant for their Atlanta, GA location. Responsibilities: Customer Service, Account Setup & Maintenance. Prepares weekly/monthly reports as required, especially utilizing Excel, Power BI, High Radius. BMS experience a plus. Project Management and experience supporting credit team...

  • R&D Credits Tax Manager

    6 months ago

    Atlanta, United States Grant Thornton Full time

    As the Tax Manager in our Corporate Tax Solutions, Research & Development Tax Credit practice you’ll navigate R&D tax credit complexity and provide insightful, practical tax advice for your clients– all with the resources, environment and support to help you excel. You’ll collaborate with leadership and supervise R&D projects, research tax issues,...

  • Credit Card Administrator

    2 months ago

    Atlanta, United States Talantage Full time

    The Credit Card Administrator serves as primary day-to-day operational and activity administration for the company credit card purchase requests submitted to the Finance Department. Responsible for managing the credit card process, travel bookings, various allowable purchases, and procurement documentation. The Credit Card Administrator is also responsible...

  • Director, Credit

    7 days ago

    Atlanta, United States Enterprise Community Partners Full time

    Working at Enterprise At Enterprise, you'll be part of a diverse, committed team making a difference every day. You will collaborate with some of the smartest minds and biggest hearts in our field. You'll be empowered to drive systems change and take bold steps to advance racial equity. And you will find a career home where you're valued and supported in...