Truist Associate - Commercial Real Estate Credit Delivery 

United States, North Carolina, Charlotte 

309750147

Regular or Temporary:

English (Required)

1st shift (United States of America)The Commercial Real Estate (CRE) Credit Delivery Associate has a strong understanding of the Commercial Real Estate market, credit and products and facilitates financial analysis, risk assessment and credit structure recommendations for Commercial Real Estate clients and prospects. Takes ownership of projects in coordination with assigned senior Credit Delivery leader and mentors the CRE Analysts in the CRE Emerging Talent program. Performs prudent underwriting and effective credit and risk administration with particular emphasis on adherence to credit policy and requirements. Supplements analysis with research and evaluations from a wide variety of sources to develop an assessment of client, competitor, property segment, market and industry risks and trends. The CRE Credit Delivery Associate 1 may be assigned to selected senior Credit Delivery leader(s) to provide assistance with the ongoing portfolio maintenance activities and client relationship support of certain relationships or portfolios.

1. Facilitates the diligence and underwriting documentation of the less complex and smaller credit relationships; supports credit presentation preparation and discussions with Credit Officer and other final approvers and coordinates legal documentation efforts through closing and funding phase.
2. Ensures loan agreement is in accordance with approval documents. Identifies potential issues contained within loan documentation and takes steps to address the issues, in consultation with Relationship Manager.
3. Analyzes financial statements/projections and documents client performance, along with identified risk and risk mitigants of less complex credits.
4. Ensures all Credit Process Metrics are within prescribed tolerances. Accountable for the risk evaluation and associated compliance requirements within assigned portfolio and for prospects. Identifies issues and follows through for remediation.
5. Serves as a client and internal point of contact in managing assigned portfolio. (May include site visit and/or visit with client management team)
6. Supports and mentors CRE Analysts.
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 Finance, Accounting, Economics or Business, or an equivalent combination of education and work experience.
2. 2-3 years of Commercial Real Estate experience.
3. Excellent verbal and written communication skills.
4. Demonstrated proficiency in basic computer applications, such as Microsoft Office software products.
5. Strong analytical and problem-solving skills.
6. Knowledge of commercial real estate credit delivery principles.
7. Ability to handle multiple priorities under time constraints.

Preferred Qualifications:
1. Master’s in real estate or combined Commercial Real Estate experience through internships or other experiences; or an equivalent combination of educational and experience or other related advanced degree.
2. 2 years of experience in a Commercial Real Estate Associate Development Program and/or equivalent experience in a CRE Credit Delivery role.

3. Experience conducting periodic reviews/audits of loans within the loan portfolio to ensure compliance with bank origination, underwriting and portfolio management standards.
4. Demonstrated ability to assess the effectiveness of “quality assurance” processes - identify areas for improvement, document corrective measures, and convey findings and recommended changes to management.

5. Ability to troubleshoot and resolve issues effectively.