Consumer Credit Strategy Oversight Senior Leader

The position is described below. If you want to apply, click the Apply Now button at the top or bottom of this page. After you click Apply Now and complete your application, you'll be invited to create a profile, which will let you see your application status and any communications. If you already have a profile with us, you can log in to check status. Need Help? If you have a disability and need assistance with the application, you can request a reasonable accommodation. Send an email to Accessibility (accommodation requests only; other inquiries won't receive a response). Regular or Temporary: Regular Language Fluency:  English (Required) Work Shift: 1st shift (United States of America) Please review the following job description: Manage a team responsible for independent review and challenge of credit risk activities for Consumer Lending products. Primary oversight activities include the management and performance monitoring of policies and standards that govern credit decision strategies including marketing, new account originations, account management, and collections/recovery. Additional oversight activities include credit strategy change management, lending authority, and credit strategy exception testing. Consumer Credit Risk provides strategic leadership, management and integration within Truist by providing expertise and membership in various key credit functions/committees (Asset Quality Working Groups, Business Unit Risk Committees, Consumer Credit Working Group, Truist Risk Appetite Framework), leadership on controls and issues management, and guiding teams to respond and remediate regulatory audits. Consumer Lending credit exposures include Credit Card, Unsecured Personal Lines & Loans, Real Estate, Auto, Small Business, Consumer Wealth Management, Direct to Consumer, and other National Consumer Finance products totaling more than $120 Billion in outstandings. 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 monitors loan-pricing strategies to maximize the performance of the overall loan portfolio. 2. 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. 3. 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.   4. 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