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Regular or Temporary:

Regular

Language Fluency:  English (Required)

Work Shift:

1st shift (United States of America)

Please review the following job description:

Responsible for underwriting all credit requests, including new requests as well as credit decisioning within some portfolios. Accountable for recommending credit structures with respect to quality and profitability within assigned geographies. Fundamental duties include ensuring that the risk philosophy, risk appetite, and lending strategies are adhered to while maintaining a high level of client responsiveness. Analyze financial statements and navigate a wide variety of financial structures, credit scenarios. Ensure commercial lending activities are executed according to Truist's policies and procedures. Builds effective relationships with Risk Management and client managers.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Following is a summary of the essential functions for this job.  Other duties may be performed, both major and minor, which are not mentioned below.  Specific activities may change from time to time.  

• Independently manage a classified loan portfolio involving complex credit structures, including syndicated corporate, leveraged finance, and middle‑market exposures, with elevated risk profiles.
• Develop, interpret, and challenge advanced analytical financial models—including financial projections, discounted cash flow analysis, enterprise valuation, and analysis of historical and projected cash flows—to support credit decisioning, restructuring strategies, and downside risk assessment.
• Serve as a primary point of coordination and analysis for complex credit situations by actively engaging with internal stakeholders and external restructuring professionals, including legal counsel, financial advisors, investment bankers, and other vendors involved in credit resolution and workout activities.
• Assign, support, and document risk grades for assigned exposures in strict accordance with Bank policy, regulatory guidance, and supervisory expectations, ensuring accuracy, defensibility, and audit readiness.
• Prepare and maintain required reporting related to impairment analysis, accrual status justification, criticized loan asset reporting, and other regulatory or management reporting, with a focus on precision, timeliness, and regulatory compliance.
• Support the commercial lending process through underwriting, policy knowledge, credit structuring, and risk assessment in credit request packages in large and complex segments within wholesale lending or specialty lines of businesses.  Ensure packages are complete, accurate and thoroughly documented
• Analyze and/or recommend adjustments to financial statement spreads
• Interact with client, verbally and in writing, on pending loan requests or portfolio management actions
• Understand and articulate all Truist Wholesale Credit policies, procedures and processes. Recommend credit within the Bank's risk appetite, and document when and why exceptions are appropriate. May require specialized underwriting skills for Commercial and Industrial, Commercial Real Estate, SBA lending, and other product offerings
• Exercise prudent credit judgment through individual loan authority, if applicable
• Engage in the development of teammates by coaching/mentoring, this includes underwriting, policy, credit structuring, risk identification, and utilization of lending authority
• Effectively manage a team of Portfolio Managers, if applicable
• Keep abreast of changing business and economic developments which impact the loan portfolio, its profitability, risk management and banking in general
• Position may require occasional overnight travel

QUALIFICATIONS

Required Qualifications:

The requirements listed below are representative of the knowledge, skill and/or ability required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Bachelor's degree, or equivalent education and related training
• Ten+ years of experience in commercial lending and/or credit experience
• Comprehensive commercial lending, underwriting, and regulatory knowledge
• Demonstrated effective problem solving skills
• Understanding of financial and cost accounting principles
• Strong interpersonal, written, and communication 
• Demonstrated proficiency in basic computer applications, such as Microsoft Office software products

Preferred Qualifications:

• Master's degree in Finance, Accounting, Economics, Business or equivalent financial industry training
• RMA - Credit Risk Certification
• Demonstrated proficiency in commercial lending systems

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.

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