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

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.