Wholesale Credit Delivery Portfolio Optimization Leader
Truist · Charlotte, NC · Yesterday
FinanceFull-time
Essential Duties And Responsibilities
- 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
- Bachelor’s degree in finance, economics, business administration, math, or a related field.
- 10+ years of experience in credit risk management, portfolio oversight, credit strategy, or related disciplines.
- Proven ability to lead cross-functional teams and influence senior stakeholders.
- Strong analytical skills with expertise in risk modeling, KRIs and concentration risk management.
Preferred Qualifications
- Advanced degree (MBA, MS, or equivalent) in finance, economics, business administration, or a related field.
- Professional certifications such as CCRMP, CCRM, CFA, FRM, or PRM.
- Experience with advanced analytics in credit risk management.