Credit Officer jobs in United States, Georgia, Atlanta

This job is responsible for originating loans for clients with residential mortgage needs and is the primary lending specialist working full time within the financial center. Key responsibilities include delivering First Mortgage and HELOC lending products in person or by telephone and providing products such as Auto Loans, Credit Cards and Core Banking products. Job expectations include effectively balancing sales performance, operational risk, and client relationship care.
This position is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential loan mortgage originations must register with the federal registry system and remain in good standing. Since this position requires SAFE Act registration, employees are required to register and to submit to the required SAFE Act background check and registration process. Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination.

Responsibilities:

• Provides specialized and personalized service offering advice and guidance to financial center clients through the full spectrum of borrowing and banking offerings at each stage of client's life plan
• Builds and deepens relationships with new and existing clients by leveraging the full capabilities of the bank
• Analyzes the client's financial needs and applies knowledge of borrowing and banking to recommend financial services that best align with the client's unique priorities
• Presents potential home lending product solutions, submits the mortgage application, assists clients with gathering supporting loan documentation, and keeps clients informed throughout the mortgage loan process through outbound calls, email, and online messaging
• Connects with clients through outreach and pipeline management activities and conducts consistent follow-up routines to meet client needs
• Responds to client requests and makes referrals to appropriate internal partners based on client needs
• Partners with financial center leaders, performance managers, and market leaders to provide specialized guidance and coaching to financial center associates regarding delivery of an exceptional client experience

Required Qualifications:

• Minimum of 2 years of mortgage origination experience. In lieu of this requirement, has previously held the role of:
  • Home Service Specialist II, Lending Client Associate, Lending Client Support Manager, Lending Specialist, Senior Banker, Business Solutions Advisor or Financial Solutions Advisor at Bank of America for 1 year
• Knowledge of credit and home lending requirements
• Actively listens to the client to determine their needs and goals and has a desire to interact with clients proactively.
• Communicates professionally, effectively, and confidently and is comfortable engaging all clients in person and over the phone.
• Is a critical thinker and can analyze financial and credit data to advise clients of product/pricing policies and guidelines and gather any additional required information.
• Has effective customer service skills with ability to manage the full client end-to-end experience and problem resolution.
• Strong written and verbal communications skills.
• Ability to handle ambiguity and adapt to changing circumstances.
• Dedicated, enthusiastic, driven and performance-oriented; possesses a strong work ethic.
• Can be flexible to work weekends and/or extended hours as needed.
• A true team player and collaborator, translating knowledge and experience into strong and productive relationships internally and externally.
• Ability to learn and understand technology.
• Demonstrates a commitment to professional ethics and is thorough and thoughtful in incorporating relevant regulatory due diligence as well as complying with all Federal and State compliance policies.

Desired Qualifications:

• Experience working in a financial center where goals were met or exceeded.
• Knowledge in analyzing and comprehending complex financial data and providing financial alternatives.
• Knowledge of banking products and services.
• Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously.
• Experience in a loan origination role in a retail environment and knowledge of
• Mortgage Products (Conventional, Jumbo and HELOC, Government)
• Structuring, Processing, underwriting and closing procedures
• Federal regulations governing real estate lending
• FHA and HUD guidelines
• Other Lending Products (Credit Card, Vehicle Loans)
• Strong computer skills including MS applications and previous experience utilizing laptop technology.

Skills:

• Client Management
• Client Solutions Advisory
• Customer and Client Focus
• Referral Identification
• Risk Management
• Client Experience Branding
• Credit Documentation Requirements
• Credit and Risk Assessment
• Pipeline Management
• Referral Management
• Attention to Detail
• Collaboration
• Issue Management
• Prospecting
• Relationship Building

High School Diploma / GED / Secondary School or equivalent

As a Credit Risk Executive in Commercial and Specialized Industries, you will lead Credit Risk for the Southeast region as well as Aerospace, Defense and Government (ADG) nationwide. You will cover the states of Virginia, Washington DC, Tennessee, Florida, Georgia, Alabama, South Carolina, North Carolina, Maryland, and Arkansas. You will manage a high-performing team of 30 risk professionals while overseeing a portfolio of 400 clients, aggregating to $8B of exposure across a diversified set of industries, including Consumer and Retail, Industrials, Business Services, and Government Contractors.

You will manage a portfolio that is complex, very active, and clients are generally rated non-investment grade and lending exposure in the portfolio covers the full spectrum of unsecured cash flow, secured cash flow, and asset-reliant secured structures.

Job Responsibilities

• Manage multiple levels of credit risk professionals across geographies, markets, and lines of business
• Lead and facilitate a robust and inclusive talent strategy and development plan across the organization
• Partner with executive risk management across the organization to drive, influence, and serve as an effective challenge to the business on client selection strategy and growth objectives for the business
• Review credit approval materials, ensure all credit risk policies are followed, and utilize approval authority and/or, where necessary, present and recommend credits for approval by senior management
• Serve as a key resource to the team on credit analysis, negotiation and execution of financing terms and conditions
• Lead processes to ensure risk ratings are accurate across the portfolio and reflect a current forward-looking view of the portfolio’s health
• Provide early identification and proactive management of deteriorating credits and other problem situations and drive the team to successful outcomes
• Lead periodic portfolio reviews, watch list and credit surveillance meetings
• Achieve satisfactory audit and credit review results
• Maintain a control environment consistent with internal policies

Required Qualifications, Capabilities and Skills

• Minimum of 15+ years relevant Commercial or Investment Bank Risk experience
• Superior credit, leveraged finance, negotiation, loan documentation skills
• Strong interpersonal skills and verbal and written communication, collaboration, partnership, and time management skills
• Independently productive; able to operate at a highly effective level with minimal day-to-day managerial direction
• Prior management experience leading teams and influencing stakeholders
• Completion of a major corporate or investment bank credit training program, or equivalent experience, and a thorough understanding of bank credit policies and procedures
• BA/BS degree is required

Preferred Qualifications, Capabilities and Skills

• Strong experience with leveraged private equity owned businesses

As a Senior Principal Software Engineer at JPMorgan Chase within the Consumer & Community Bank Deposits Technology team, you will provide expertise and engineering excellence to build strategic solutions that enable and modernize our core deposits platform. You will address business challenges through innovative engineering practices. Proficiency in various technology delivery concepts, including large-scale cloud computing, modern development practices, scalable coding frameworks, microservice and event-based architectures, domain-promoten design, and automation, is essential. You will guide teams in developing cloud-based solutions using modern patterns, implementing them on both our private and public cloud platforms. We foster a culture of experimentation and are committed to continuous improvement and learning. You will work in a collaborative, trusting, and thought-provoking environment that values diverse perspectives and creative solutions, all in the best interests of our global customers.

Job Responsibilities

• Design modern technology solutions collaborating closely with architects, product owners and software engineers.
• Identify, design and drives adoption of modern technology frameworks
• Provide hands-on technical expertise in the Design & Development of mission critical applications that can scale operate with up time of 99.999% and processing 4,000+ transactions per second
• Identify and mitigate technology-related risks by implementing robust security measures and compliance standards
• Guides the team and the technology they support towards resiliency and stability through quality software development
• Identify opportunities for process and tool improvements and drive those from concept to implementation
• Adheres to architecture standards, risk management and security policies
• Contribute and collaborate in creation and consumption of open, standards-based solutions, while working with existing J.P. Morgan Chase technologies and infrastructure
• Continuously education on emerging software engineering patterns

Required qualifications, capabilities, and skills

• Formal training or certification on software engineering concepts and 10+ years applied experience
• Hands-on practical experience delivering system design, application development, testing, and operational stability
• Expert in one or more programming language(s) including Java
• Advanced knowledge of software application development and technical processes with considerable in-depth knowledge in one or more technical disciplines (e.g., cloud, artificial intelligence, machine learning, mobile, etc.)
• Experience applying expertise and new methods to determine solutions for complex technology problems in one or more technical disciplines
• Ability to present and effectively communicate with Senior Leaders and Executives
• Experience in Computer Science, Computer Engineering, Mathematics, or a related technical field
• Expert knowledge and direct experience building applications in cloud using Kubernetes, Service mesh, Kafka, API Gateways, SQL/NoSQL DB

Preferred qualifications, capabilities, and skills

• Practical cloud native experience and Certified in Public cloud (preferably AWS Solutions Architect – Associate or Professional)
• Expertise and In-depth knowledge in PostgreSQL and distributed SQL Databases
• Expertise using monitoring tools such as Dynatrace
• Experience building applications making use of Kubernetes native features

Application window is expected to close on 09/11/2025.

Job Posting may be removed earlier if the position is filled or if a sufficient number of applicants are received.

• You are proactive and creative, while excited to find solutions in balancing Cisco enablement and stewardship of our risk appetite and our balance sheet.
• You have experience in working with sophisticated Credits and structures and the ability to show leadership in a team environment and build cohesion within partners.

• At least 5+ years’ commercial credit experience is required
• Bachelor’s degree in Accounting/Finance or related field
• Highly proficient in accounting principles
• Ability to collaborate authoritatively and thoughtfully with customers, team members and internal partners
• Understands impacts of contract defaults on revenue recognition and credit reserves

• Confirmed history of being trusted with approval authorities and making decisions
• Results oriented self-starter with the capability to work well independently and within a team
• You don’t mind leading or participating on special improvement projects around innovation and optimization

As a Lead Credit Risk Manager -Vice President on the Asset Based Lending team, you are responsible for managing an assigned portfolio of Commercial and Specialized Industries (C&SI) clients who have Asset Based loans and all other related exposure. Credit Risk Managers lead the client credit relationship with C&SI bankers who manage the overall relationship along with ABL Originators. In this role you will have extensive interaction with clients, other product partners, internal and external legal counsel, lenders, consultants and investors.

Job Responsibilities

• Lead all aspects of the credit relationship, including credit analysis, financial modeling and coordinating credit approval for all products including loans, derivatives, leases and cash management
• Proactively support and enhance client relationships
• Assign and assess internal ratings, risk assessment and risk mitigation. Recommend changes in structure or account management strategy to address negative trends. Assess monthly, quarterly and annual financial statements and borrowing base reporting
• Provide leadership in structuring and negotiating Credit Agreements, amendments and waivers. Manage and monitor loan products including affirmative, negative and financial covenant compliance. Manage ongoing communication with bank group members as well as with other team members.
• Interpret collateral appraisals and field exams. Ongoing monitoring of collateral trends and liquidity, establishing reserves and recommending appropriate course of action to address issues
• Effectively challenge Banking Teams, partner with Debt Capital Markets, Treasury Services, Leasing, Derivatives and Loan Operations
• Communicate with Senior Management, respond to regulatory requests and maintain internal credit files
• Train and mentor junior team members

Required Qualifications, Capabilities and Skills

• Strong understanding of capital markets, financing structures, derivatives and cash management products as well as related documentation
• Excellent communication skills - both written and verbal
• Ability to multitask in a fast paced environment

Preferred Qualifications, Capabilities and Skills

• Bachelor's degree in Accounting or Finance preferred
• Minimum 6 years of experience in Risk and Asset Based financing knowledge strongly preferred

Regular or Temporary:

English (Required)

Regular or Temporary:

English (Required)

Corporate Overview:

(NYSE: TFC), one of the nation's largest banking organizations. Truist Securities, together with

Job Description:

The Credit Delivery Analyst position is typically a two-year position. At the end of the two-year period, Analysts may be asked to remain in the role for an additional year.

:

Minimum Requirements:

• Completed BA/BS degree with a scheduled graduation date of December 2025 or May/June 2026
• Overall GPA of 3.0
• Proven analytical ability and attention to detail
• Solid leadership and interpersonal skills
• Superior written and oral communication skills
• Ability to work well in a fast-paced, team-oriented environment

:

• Business or STEM major
• Strong interest in finance and investment banking
• Prior completion of Accounting or Finance coursework
• High degree of academic and extracurricular achievement
• Willingness to commit substantial time and energy to the program