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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:

Responsible for loan origination, portfolio management, and risk management for all Small Business Bankcard products. Ensure efficient operation of the Small Business Bankcard portfolio in a balanced manner that maximizes quality, profitability, and growth within the context of the bank's overall lending strategy and policies.

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. Role - Review applicable information to assess risk and provide appropriate credit decisions on Small Business Bankcard applications. Analyze risk of clients and prospects to monitor ongoing risk to the portfolio. Manage inboxes and underwriting queues to provide timely responses to Community Bank partners in order to maintain Service Level Agreements (SLAs). Make independent and appropriate decisions regarding maintenance to existing accounts. Perform analysis of required financial documents such as personal tax returns, profit and loss statements and annual reports to determine credit eligibility.

2. Credit Quality - Have strong knowledge of the bank's risk appetite and all credit policies and guidelines for rendering Small Business Bankcard credit decisions. Review accounts and take appropriate action in order to mitigate risk. Review accounts when new information is made available, whether by client, branch officer, or internal review, in order to ascertain if action needs to be taken. Identify trends that may be a concern for banks risk appetite or fraud and escalate to next level management. Ensure all loan origination standards are met with regard to acceptable approval ratios and exception thresholds not being exceeded.

3. Partnerships - Provide co-approval assistance to branch officers and relationship managers on Small Business Bankcard applications. Provide co-approval assistance for credit limit increase requests. Work closely with relationship managers or any accounts that may present elevated risk to the bank.

4. Compliance - Continuously work to ensure the bank remains in compliance with all Regulation B requirements. Ensure appropriate bank correspondence, such as adverse action notices, is appropriately distributed to clients. Work with compliance partners to ensure all policies and procedures are being followed and all exceptions are documented and mitigated. Meet quality control metrics for monthly file reviews performed by management as well as exception reviews that are performed by Credit Risk each month.

5. Culture - Adhere to the Truist purpose, mission, and values.

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, Accounting, Finance or related field, or equivalent education and related training
2. 2+ years business lending or credit experience
3. 4+ years financial services industry experience
4. Strong credit and analytical skills
5. Strong verbal and written communication skills
6. Knowledge of bank policies/procedures and compliance/regulatory issues

Preferred Qualifications:
1. 4+ years business lending or credit experience
2. 6+ years financial services industry experience

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.

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