Kim Cox

Kim Cox Email and Phone Number

Senior Credit Risk Executive leveraging industry experience to help other leaders set and communicate strategic direction, parts of risk assessment, coverage plans, and help interpret work results. @ Truist
charlotte, north carolina, united states
Kim Cox's Location
Hoschton, Georgia, United States, United States
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About Kim Cox

Greetings! As a Senior Credit Risk Executive, I foster direct reports' career development through active coaching, performance assessment, internal and external training, while modeling Truist purpose, mission, and values, utilize extensive business unit and credit product knowledge to recommend risk-based coverage activities, interpret work results, and effectively collaborate with other cross-functional groups to ensure CRR coverage is consistent with mandates, and prioritize organization, the timely completion of tasks, management competing priorities, analytics, and excellent verbal and written communication. I am a detailed, collaborative, and deadline-minded change agent that prioritizes transparent communication with stakeholders and utilizes strategic relationship-building to streamline success. Throughout my career, I have prided myself on constructing, leading, and maintaining comprehensive and impactful compliance, risk, and audit programming for national organizations. I bring polished and sophisticated tactics to streamline governance, regulatory compliance, and risk management. Throughout my tenure at Truist Financial Corporation, I have led the Credit Risk Review's Commercial Real Estate Credit Program Delivery team and identified areas of improvement within underwriting, structuring, risk rating process, risk rating accuracy, and adherence to the Bank's risk appetite. Currently, I monitor and manage Credit Risk Review identified issues, promote direct report career development through active coaching, identify training opportunities and performance reviews, streamline the completion of coverage activities, and monitor the completion of quarterly risk assessments.Alongside the aforementioned, I spearhead the day-to-day review and oversight of portfolio risk analytics reporting evaluating overall portfolio risk, portfolio concentrations, industry risks, portfolio migration, loss expectations and trends, exceptions, issues, and policy implications.Areas of Expertise:Credit Risk and Policy Management | Strategic Leadership | Risk Assessment | Enterprise Risk | Wholesale Loan Portfolios | Team Building | Employee Development | Coaching & Mentoring | Credit Risk Review | Regulatory Compliance Project Management | Operational Risk| Process Improvement | Financial Analysis

Kim Cox's Current Company Details
Truist

Truist

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Senior Credit Risk Executive leveraging industry experience to help other leaders set and communicate strategic direction, parts of risk assessment, coverage plans, and help interpret work results.
charlotte, north carolina, united states
Website:
truist.com
Employees:
8972
Kim Cox Work Experience Details
  • Truist
    Senior Vice President - Senior Credit Risk Review Program Delivery Officer
    Truist Aug 2020 - Present
    Atlanta, Georgia
    Guides Credit Risk Review’s Commercial Real Estate Credit Program Delivery team. Discovers areas of improvement within underwriting, structuring, risk rating process, risk rating accuracy, and adherence to the Bank's risk appetite. • Ensured accurate completion of Board mandated coverage activities.• Managed completion of Horizonal, Targeted, or Special Reviews. • Led Credit Risk Review identified Issues. • Promoted career development through active coaching, identifying training opportunities, and performance reviews.• Guided 11 teammates tasked with completing coverage activities, monitoring changes within assigned portfolios, and completing a quarterly risk assessment, identifying current and emerging risks internally and externally.• Drove coverage activities and completion of quarterly management reporting, which summarizes trends in Credit Risk Review's results and completion of Horizontal, Targeted, or Special Reviews.
  • Truist
    First Vice President - Credit Risk Review
    Truist Nov 2013 - Aug 2020
    Greater Atlanta Area
    Guided asset quality and credit management processes in assigned Commercial Real Estate portfolios. Monitored Real Estate Corporate and Investment Banking (REITs) and Institutional Private Capital.• Investigated asset quality indicators, reported trends and emerging problem credits, identified areas of increased risk exposure, interfaced with line officers, unit managers, and credit risk managers, and led and participated in Credit Process Reviews with subsequent written and verbal reports to management. • Member of Credit Risk Review’s Continuous Focus Group, which reviewed processes to drive for efficiency
  • Truist
    First Vice President - Commercial Real Estate Banker
    Truist Apr 2013 - Nov 2013
    Alpharetta, Georgia
    Managed a robust portfolio containing commercial properties totaling $69M and 34 relationships. Underwrote income-producing properties to include industrial, hospitality, office, and multi-family. Evaluated property income-generating potential by assessing its cash flow, rent rolls, and tenant leases. Executed property analysis through cash flow analysis, rent rolls, tenant leases, and market data to determine the asset's underlying value. • Ensured credit was reserved accurately by determining the appropriate risk rating for each relationship. • Performed site inspections to evaluate real estate collateral and market competitiveness, managed past dues, CMT ticklers, document exceptions, and reviewed loan files for compliance and deficiencies.
  • Truist
    Vice President Commercial Real Estate Portfolio Specialist
    Truist Nov 2012 - Apr 2013
    Alpharetta, Georgia, United States
    Offered credit and support to multiple Commercial Real Estate Managers who handle complex commercial real estate loans for relationships with $10M+ in an exposure. Underwrote income-producing properties to include industrial, hospitality, office, and multi-family. • Ensured credit was reserved accurately by streamlining inherent risk in a real estate project, including environmental, construction, market, tenant, and product-specific risk, to determine the appropriate risk rating for each relationship. • Performed property analysis through cash flow analysis, rent rolls, tenant leases, and market data to determine the asset's underlying value. • Digested the needs of the client to anticipate future profitable revenue opportunities.
  • Hamilton State Bank
    Special Assets Risk Officer
    Hamilton State Bank Apr 2012 - Oct 2012
    Braselton, Georgia, United States
    Designed and deployed a monitoring system for tracking recovery dollars for banks purchased under the FDIC Loss Share Agreement. Developed policies and procedures to create consistent and streamlined processes for the Special Asset Department. Led a portfolio containing mortgage loans, consumer loans, acquisition and development loans, and residential and commercial real estate loans totaling $20M and consisting of 40+ relationships. • Monitored portfolio to ensure relationships were risk rated appropriately, reviewed loan files, and prepared loan assessment for Senior Management, external loan review, and federal regulators. • Developed credit package, due diligence, and strategy to Senior Management on all relationships. • Ensured activities and decisions complied with Bank policy, procedures, and Federal Banking Regulations.
  • Suntrust
    First Vice President Commercial Real Estate Special Assets Risk Manager
    Suntrust Nov 2011 - Mar 2012
    Greater Atlanta Area
    Guided seven Special Assets Risk Officers. Led portfolio of troubled assets containing residential and commercial properties totaling $292M consisting of 1,300+ relationships with loans of $2.5M in an exposure. • Maximized value and minimized losses by designing and approving strategies, including workout, rehabilitation, and recovery. • Offered expertise in credit processes and credit decisions and ensured that all activities and decisions complied with Bank policy, procedures, and regulatory guidelines. • Managed performance by eliciting the best performance of employees through coaching and mentoring.• 2012 Chairman’s Award recipient
  • Suntrust Bank
    First Vice President - Commercial Real Estate Special Assets
    Suntrust Bank Jun 2008 - Nov 2011
    Atlanta, Georgia, United States
    Guided a portfolio containing residential and commercial properties of $80M. Established 45 relationships. Underwrote income-producing properties to include industrial, hospitality, office, and multi-family. Evaluated formal property income-generating potential by assessing its cash flow, rent rolls, and tenant leases. • Ensured credit was reserved accurately by guiding appropriate risk ratings for each relationship. • Restructured loans were based on the collateral and the borrower's capacity to continue service debt.• Executed due diligence and strategy to Senior Management on all relationships on a quarterly basis.• Spearheaded foreclosure proceedings or filed suit under the Note in default situations, managed past dues, non-performing loans, and charge-offs, and reviewed loan files for compliance and document deficiencies.

Kim Cox Education Details

Frequently Asked Questions about Kim Cox

What company does Kim Cox work for?

Kim Cox works for Truist

What is Kim Cox's role at the current company?

Kim Cox's current role is Senior Credit Risk Executive leveraging industry experience to help other leaders set and communicate strategic direction, parts of risk assessment, coverage plans, and help interpret work results..

What is Kim Cox's email address?

Kim Cox's email address is kc****@****ily.org

What is Kim Cox's direct phone number?

Kim Cox's direct phone number is (501) 661*****

What schools did Kim Cox attend?

Kim Cox attended North Georgia College And State University, Georgia State University Perimeter College.

Who are Kim Cox's colleagues?

Kim Cox's colleagues are Sharon Chiasson, Monika Fitzgerald, Jesús Cubero, Marcus Williams, Whitney Ross, Chyanne Willoughby, Karen Ganson.

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