Credit Support Officer I

Direct To Consumer Credit Support Officer

The Direct To Consumer Credit Support Officer position is primarily responsible for acting as lending experts and partners to the Retail bankers and clients. This position requires in-depth knowledge of consumer lending and related products. Credit Support Officers must have the ability to resolve all Consumer lending inquiries and identify and analyze complex issues and consistently strive to provide Perfect Client Experience throughout the process for both internal and external clients.

Essential Duties And Responsibilities:

1. Provides exceptional credit coaching on products, policies, and processes for the banker and consultative calls with the bankers and clients. Assist with credit related client questions and facilitate an efficient and easy client interaction to obtain needed credit documents. Provide credit support with digital origination in the absence of a branch lender. Acts as the liaison for Truist distribution channels which includes Retail & Premier/Affluent teammates as well as external clients.

2. Understand and justify situations that would warrant policy exceptions to policy and procedures based on compensating factors.

3. Validate and clear fraud alerts provided by the credit bureau and handle other risk mitigation efforts while reducing banker and underwriter involvement to efficiently and effectively process credit requests.

4. Assist with securities related activities such as asset vetting or distributions.

5. Work expiring line leads and provide client outreach.

Qualifications

Required Qualifications:

1. Bachelor's degree or equivalent education and related training or experience

2. Safe Act Eligible/Certified - Must be SAFE (Mortgage Licensing Act) compliant within 30 days of employment in this role, including new or transfer of registration and applicable NMLS background check which includes meeting applicable financial responsibility, character, credit fitness and criminal background standards. Successful candidates must also meet ongoing regulatory requirements

3. At least five years of relevant banking experience

4. Proficiency in credit underwriting analysis, problem-solving, collaborative negotiations, and risk management

5. Excellent interpersonal, verbal, and written communication skills

Preferred Qualifications:

1. Bachelor's degree in accounting, business or equivalent education, and related training

2. Experience in credit administration, risk management, complex retail/small business underwriting analysis, and relationship management

3. Knowledge of bank's operations, systems, compliance, and regulatory issues