Portfolio Manager - Wholesale Credit Delivery jobs at Truist in United States, Atlanta

Regular or Temporary:

English (Required)

Regular or Temporary:

English (Required)

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.

• Develop, own, and execute against a standard process to track market trends and the competitive environment to inform strategic planning; produce relevant summaries when applicable.
• Own and facilitate the gathering of content for monthly business reviews to accurately capture financial performance, sales effectiveness, talent management, and progress against strategic priorities; will involve working with finance and business partners to ensure content is relevant and accurate
• Assist in the execution and project management of top priority initiatives within Global Asset Finance to include defining logistics and approaches needed to operationalize business strategies, maintaining thorough project plans, and ensuring all participants are organized and aligned on execution plans; requires the ability to be a meaningful contributor to complex, cross-functional initiatives that accelerate performance and results
• Understand strategic business goals, identify what data points are needed to inform how to achieve business goals (e.g., benchmarks, industry trends, internal operating and financial data), then gather and synthesize data to inform decision making and measure results.

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.

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.

• Strong academic credentials – college degree or equivalent education and related training or experience
• 2-5 years of experience within consulting, business management, or financial services organization
• Ability to present data and business considerations in a structured manner.
• Advanced proficiency with MS Office tools, especially Excel, PowerPoint, and Word.
• Demonstrated understanding of business and technology organization, resources, priorities, needs and policies.

Preferred Qualifications:

• Background in financial services / banking industry
• Project Management and/or Business Analyst experience
• Strong analytical skills with high attention to detail and accuracy
• Ability to summarize complex, detailed analysis into executive-level summarize
• Ability to lead by influence (relationship building).
• MBA preferred

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

Regular or Temporary:

English (Required)

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.

• Manage a problem loan portfolio consisting of the most complex credit structures, primarily syndicated corporate and middle market loans while managing the capital market opportunities/fees associated with the clients.
• Being able to independently manage syndicated credits facilities as agent and/or actively participate and manage the communication process with other institutions as participant (whether formally as part of the Steering Committee or informally by communicating directly with other lenders) to direct or influence credit resolution strategies.
• Ability to actively communicate with and/or manage restructuring professionals including legal counsel, financial advisors, investment bankers, and other relevant vendors playing a role in the credit resolution process.
• Proactively communicating with assorted internal and external stakeholders including the Truist debt trading desk, investment banker coverage teams, leveraged finance and sponsor groups in an effort to explore all resolution strategies including capital markets opportunities to self-help (SPAC, capital raise, bond issuance, ATM etc.), preservation of sponsor relationships and generation of capital market fees in a manner consistent with prudent risk parameters.
• Be the face of Truist in interactions with C-suite executives of publicly traded companies facing challenged economic stress and provide a consensual path forward for both the bank and customer through 2- 4 above.
• Actively participating in the balance sheet restructuring process for clients (inside or outside of bankruptcy court) when applicable by interacting with debtor, sponsors, lenders, and professionals as needed; overseeing the marketing process when the resolution path involves the sale of assets or a business whether as a going concern or liquidation.
• Negotiating all documentation required in the credit resolution process including, but not limited to, credit, intercreditor, collateral, sale, engagement, restructuring support, and non-disclosure agreements and related amendments if applicable.
• Overseeing or actively participating in any and all pertinent activities related to recapitalization of borrowers, when applicable, including interacting with professionals and third-party capital sources such as private equity groups, hedge funds, vulture or distress debt funds, junior lenders, and bond holders or their professionals.
• Work effectively with partners such as Commercial Banking Specialists (CBS), Fulfillment Specialist and PM to ensure all client-related documentation and financial analysis are sound and any issues are resolved in an accurate and timely manner.
• Provide accurate and timely monthly forecasting for non-performing assets and charge-offs.
• Complete reporting as required for impairment analysis, accrual justification and Criticized Loan Asset Reports.
• Interface with CIG and middle market (credit, RM and PM) in a consultative role on criticized credits to assess and mitigate risk.
• Keep abreast of changing Bank policy and procedures, as well as business and economic developments which impact the loan portfolio and banking in general.

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 in business, finance, or banking or comparable education and related training.
• A minimum of fifteen years commercial banking, loan workout or equivalent experience.
• Significant experience with syndicated/complex credit structures.
• In depth knowledge of capital market products both from a capital market and balance sheet management perspective.
• In depth knowledge of bankruptcy law/in and out of court restructuring.
• Exceptional negotiation, communication, interpersonal, financial analysis and problem-solving skills. Ability to deliver messages and interact effectively in a sometimes tense or adversarial environment.
• Demonstrated proficiency in basic computer applications, such as Microsoft Office software products.

Preferred Qualifications:

• Master’s degree in business administration, finance, or banking.
• Twenty yearsof experience in commercial banking, loan workout, and/or relationship management.

Regular or Temporary:

English (Required)

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.

• Provide application support including complex problem research, analysis, resolution and 24X7 on-call support.
• Lead and participate in the development, testing, implementation, maintenance, and support of highly complex solutions in adherence to company standards, including robust unit testing and support for subsequent release testing.
• Will be responsible for end-to-end interface analysis, rationalization, declaration & definition Deposits applications and APIs production support.
• Build non-functional monitoring capabilities and provide escalated support for highly complex applications in production.
• Build in and maintain security controls and monitoring in support of company standards.
• Typically lead moderately complex projects and participate in larger, more complex initiatives.
• Solve complex technical and operational problems. Act as a resource for teammates with less experience
• May oversee the work of a small team and responsible for driving release/change management from planning to deployment and post validations
• Assist with compliance and audit review activities; comply with Truist standards and complete assigned trainings in timely manner
• In an Agile environment: Responsible for delivering high quality working software and automating manual/reusable tasks working directly, and engage with, the business from the beginning of the design work. Leverage continuous engineering practices to deliver business value regarding effectiveness of the design. Actively participate in refining user stories. Responsible for design, developing, and maintaining automated unit testing, and supporting integration and functional testing. Responsible for providing automated monitoring capabilities through tools like Dynatrace and Splunk, providing warranty support, and providing knowledge transfer to production support. Occasionally develop code in accordance with the acceptance criteria established by the Product Owner

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.

• 1. Bachelor’s Degree and six to ten years of experience or equivalent education and software engineering training or experience

  2. In-depth knowledge in information systems and ability to identify, apply, and implement best practices
  3. Understanding of key business processes and competitive strategies related to the IT function
  4. Ability to plan and manage projects and solve complex problems by applying best practices
  5. Ability to provide direction and mentor less experienced teammates. Ability to interpret and convey complex, difficult, or sensitive information

HIGHLY Preferred Qualifications

• Bachelor’s Degree with 4-6 years of experience or equivalent education and software engineering training or experience
• Hands on experience with following technology stack: -
  • Primary - Mainframe (COBOL, JCL, DB2, CICS, Z/OS Connect, etc.)
  • Secondary - Distributed (Java, OpenShift, AWS, SQL, Middleware services, JSON, etc.)
• Experience with building monitoring and alerting through Dynatrace and Splunk.
• Experience using web servers, application containers, caching technologies, Gitlab and schedulers.
• Solid knowledge of relational database design and development using Oracle, SQL, stored procedures, data modeling.
• Knowledge of specific applications, technology platforms, programming languages, systems, or business segments
• Banking or financial services experience. Knowledge of one or more of the following: Solid foundation in data structures, algorithms, and software design with strong analytical and debugging skills
• Professional experience building high-quality apps or services from the ground up and scaling at an enterprise level

Able to access and interpret client information received from the computer and able to hear and speak with individuals in person and on the phone.Able to work standard office equipment, including PC keyboard and mouse, copy/fax machines, and printers.Able to work all hours scheduled, including overtime as directed by manager/supervisor and required by business need.

Regular or Temporary:

English (Required)

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.

The Wholesale Business Enablement and Execution (WBEE) Business Services team documents and performs both overarching business services and group specific business services for Wholesale Banking business units. The work performed drives discussions with firm Leadership and supporting business units, including the Investment Banking and Capital Markets (IBCM) Executive Team, the Truist Commercial and Corporate Banking (TCCB) Executive Team, IBCM Compliance, IBCM Governance and Control Officer, and Internal Audit. The team manages (or is primary contact for) Wholesale Banking real estate and facilities, records retention, physical access, and print services. The team also aids in the execution of regulatory exams, audits, risk and control self-assessments and any subsequent issue remediation to closure. Engages, as the business lead, for Wholesale/Enterprise system implementations and plays an advisory role with the functional and risk leadership teams to ensure integration points are captured appropriately and effectively. Other responsibilities include managing prioritization process for determination of technology projects, managing system entitlements/access vendor relationships, process efficiency identification, and monitor third party vendor risk status. Perform delegated responsibilities such as onboarding and invoice approvals. Manage/perform required training when appropriate.

• Understanding Wholesale Banking businesses and product lines, including the key processes, risks and associated controls
• Maintaining a knowledge of the organization, operations, policies and procedures (including applicable laws and regulations) for Wholesale Banking
• Execute WBEE Business Services activities including physical access management, floorplan management, teammate onboarding, offboarding, and supporting Business Continuity and Emergency Response Plan processes
• Assist in the preparation and maintenance of best practices playbooks and procedures for WBEE Business Services, while ensuring adherence to enterprise and compliance documentation standards
• Assist as needed with regulatory exams, walk-throughs and audits including consolidated reporting for executive level review
• Assist in the identification of root-cause, document and escalate issues for episodic and recurring symptomatic events

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.

1. Bachelor's degree in accounting, finance, business or related field or equivalent education and related experience
2. Two years of banking including capital markets, auditing or other relevant experience related to area of responsibility
3. Ability to work independently and with a team
4. Understanding of risk management and process concepts
5. Demonstrates a foundational understanding of investment banking, capital markets, risk management and/or assurance
6. Creative and innovative Inquisitive and willingness to learn
7. Excellent decision-making and analytic skills
8. Excellent interpersonal, communication and presentation skills
9. Proficient with Microsoft office suite

Regular or Temporary:

English (Required)

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.

Underwriting:leads the entire commercial underwriting process both internally and sometimes externally with prospects and clients. Underwrites, structures, and documents all prospect and client transactions. Possesses a mastery of client and industry expertise, analyzes individual company performance and the impact of industry and competitive dynamics and macroeconomic events on the creditworthiness of clients and prospects. Provides independent, in-depth analysis of financial statements, projections and business plans; identifies and mitigates key risks. Recommends and models appropriate loan structures and while maintaining expertise around the bank’s suite of ancillary products, including legal documentation impact and negotiation. Is accountable for the risk evaluation and associated regulatory compliance requirements. May require specialized underwriting skills for Commercial and Industrial, Commercial Real Estate, Corporate Banking, Working Capital and other Truist product offerings

Client Interaction:expands client relationships through occasional direct client calling efforts. In conjunction with other internal product partners, applies knowledge of credit policy, pricing and structure to develop solutions that meet the client's needs and the Bank's risk acceptance criteria.

Deal Team Management:Expected to manage these tasks by utilizing assigned Associates and Analysts. Mentors and coaches Associates and Analysts including annual performance review process for Analysts and Associates.

Problem Complexity:Very Complex. Underwriters & Portfolio Manager 2s will be assigned to some of the more complex names and potentially larger portfolios.

Leadership / Influencing / Negotiating / Persuading:Yes, teammates in this position are required to develop an independent point of view and provide recommendations to appropriate decision makers. Expected to mentor all junior talent as well as LOB partners as appropriate.

Project or Program Management:Must be able to handle a large portfolio of Middle Market clients in addition to taking a leadership role in activities outside of day-to-day portfolio responsibilities that benefit the PM platform as a whole.

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 in Finance or related field and at least 7+years of related training and experience in commercial credit analysis.
• Mastery level proficiency with MS Office Desktop applications.
• Strong interpersonal skills and solid written/verbal communication are essential.
• Sound credit skills essential.
• Must have strong attention to detail.
• Ability to prioritize workflow and multi-task in a fast-paced environment.

Preferred Qualifications:

• 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