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About the Role
Underwrites credit exposure for complex and large credit relationships, actively manages a Middle Market Banking portfolio, and handles day-to-day client interaction while managing portfolio risk and adhering to regulatory guidelines. Focuses on early identification of credit problems and industry trends.
Responsibilities
- Leads the commercial underwriting process internally and externally.
- Underwrites, structures, and documents all prospect and client transactions.
- Independently manages complex deals and large credit relationships.
- Analyzes financial statements, projections, and business plans to identify and mitigate risks.
- Recommends and models appropriate loan structures.
- Manages assigned portfolio by monitoring performance and trends.
- Proactively defines client credit solutions and identifies issues for remediation.
- Responsible for risk rating integrity, annual reviews, and compliance.
- Manages all amendments and waivers in the assigned portfolio.
- Expands client relationships through direct client calling efforts.
- Applies knowledge of credit policy, pricing, and structure to develop solutions.
- Partners with Investment Banking peers to deliver complex financing solutions.
- Maintains extensive knowledge of corporate banking, investment banking, and commercial banking solutions.
- Articulates industry trends, economic patterns, and their implications.
- Manages assigned Associates and Analysts, including mentoring and coaching.
- Provides independent risk views and recommendations on clients and prospects.
- Authors independent risk recommendations including risk rating, compliance, and underwriting.
- Handles a large portfolio of complex/leveraged clients.
- Takes a leadership role in activities benefiting the PM platform.
- Delivers solid credit and underwriting analyses and risk rating recommendations.
Requirements
- Bachelor’s Degree in Finance or related field.
- At least 7+ years of related training and experience in commercial credit analysis.
- Mastery level proficiency with MS Office Desktop applications.
- Strong interpersonal skills.
- Solid written/verbal communication skills.
- Sound credit skills.
- Strong attention to detail.
- Ability to prioritize workflow and multi-task in a fast-paced environment.
- Has successfully held similar role with commercial financial institution or like experience.
- Industry or sub-sector expertise.
- Mastery of Truist Bank operating systems inclusive of COMPASS and other Commercial applications (i.e. MRA, salesforce.com, nCino).
Skills
- Commercial underwriting
- Credit analysis
- Portfolio management
- Financial statement analysis
- Risk assessment
- Loan structuring
- Client relationship management
- Investment banking
- Commercial banking
- MS Office proficiency
- Interpersonal skills
- Written communication
- Verbal communication
- Attention to detail
- Prioritization
- Multi-tasking
Location
- Dallas
- Houston
- Austin
- San Antonio
Work Type
- Regular
- 1st shift
Experience Level
- 7+ years of related training and experience in commercial credit analysis
Education Level
- Bachelor’s Degree in Finance or related field
Benefits
- Medical insurance
- Dental insurance
- Vision insurance
- Life insurance
- Disability insurance
- Accidental death and dismemberment insurance
- Tax-preferred savings accounts
- 401k plan
- 10 days of vacation (prorated)
- 10 sick days (prorated)
- Paid holidays
- Defined benefit pension plan (potential)
- Restricted stock units (potential)
- Deferred compensation plan (potential)
About the Company
- 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.
Equal Opportunity
- 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.
- EEO is the Law
- E-Verify
- IER Right to Work