Director Credit Risk Jobs in Ridgeland, SC (NOW HIRING)

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Regular or Temporary:

Language Fluency: English (Required)

Work Shift:

The Portfolio Manager is responsible for underwriting, managing, and monitoring a portfolio of commercial and not-for-profit credit relationships. This role partners with Relationship Managers, Credit Risk Officers and Analysts to evaluate credit risk, structure financing solutions, maintain risk rating integrity, monitor covenant compliance, and identify emerging risks. The Portfolio Manager provides independent credit recommendations, manages renewals and modifications, supports client relationships, and ensures compliance with bank policies and regulatory requirements while delivering a high level of service to clients and business partners.

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.

• Underwriting & Credit Analysis: Lead the end-to-end underwriting process for new and existing commercial and not-for-profit credit relationships, serving as the primary point of coordination with clients and internal partners. Analyze financial performance, cash flow, debt capacity, and key risks; develop and present independent credit recommendations. Structure credit facilities, coordinate due diligence requirements, and ensure compliance with credit policy and regulatory standards. Identify emerging risks and industry trends and recommend appropriate risk mitigation strategies.
• Portfolio Management: Accountable for managing an assigned portfolio by monitoring performance and trends, identifying issues, and driving timely remediation. Maintain risk rating integrity and oversee annual reviews, financial statement spreading, covenant compliance, and regulatory requirements. Manage portfolio amendments, waivers, renewals, and modifications. Demonstrate a proactive, forward-looking approach to risk management through independent analysis, transparent communication, and collaboration with clients and business partners.
• Span of Control/Leadership: No direct reports; provides cross-functional leadership across Coverage, Credit Risk, Product, Fulfillment, and Operations partners. Develops an independent point of view on credit risk and provides recommendations to appropriate decision makers. Builds trusted relationships through proactive communication, collaboration, and sound judgment. Influences credit discussions and risk decisions while ensuring timely, accurate underwriting and portfolio management. Mentors junior teammates and drives operational excellence through process improvements, support resources, and technology.

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.

• Bachelor's Degree in Finance, Accounting, Economics, or a related field and a minimum of five years of commercial credit underwriting, portfolio management, commercial banking, or related financial services experience.
• Strong understanding of commercial credit products, credit analysis, loan structuring, covenant analysis and risk management principles.
• Experience analyzing financial statements, cash flow, and credit structures.
• Excellent written and verbal communication skills.
• Strong organizational skills and attention to detail.
• Ability to effectively prioritize workload and manage multiple deadlines in a fast-paced environment.
• Proficiency with Microsoft Office applications.

Preferred Qualifications:

• Advanced degree in Business, Finance, Accounting, Economics, or a related field.
• Completion of a formal banking school or commercial banking development program.
• Completion of a recognized commercial credit training program.
• Proficiency with Truist operating systems and platforms.
• Demonstrated ability to manage complex client relationships and independently evaluate and communicate credit risk.

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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 is an Equal Opportunity Employer that does not discriminate 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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