Commercial Problem Loan Officer III; Special assets

Commercial Problem Loan Officer III (special assets)

Company: Truist Financial

Location: Alpharetta, GA

Employment Type: Full Time

Date Posted: 02/10/2026

Job Categories: Banking, Finance/Economics, Information Technology

Regular or Temporary: Regular

Language Fluency: English (Required)

Work Shift: 1st shift (United States of America)

• Manage a portfolio of CSBB Small Business problem loans including those with complex credit structures in CSBB.
• Negotiate effective resolution plans with borrowers in accordance with an appropriate case strategy. Negotiations may require working with external legal counsel. They may also incorporate credit analysis when a modification or forbearance is considered. Asset Manager will drive recommendations that address the accrual status, loan to value (LTV), as well as Bank policy and regulatory guidance to mitigate and reduce losses to the Bank.
• Independently complete underwriting of borrowers/guarantors for renewal/modification in order to justify accrual status, risk rating or adequacy of collateral.
• Prepare accurate and thorough credit request packages for co-approval or exercise individual loan authority, when applicable.
• Manage relationships with Small Business Banking Service Delivery and/or external counsel used in development, drafting, execution and enforcement of documentation needed to achieve workout goals. Work closely with clients, Relationship Managers, and external counsel, when appropriate, to ensure loan closings are completed in an accurate and timely manner.
• Work effectively with partners such as SBDS Support Specialist and Commercial Fulfillment Specialist to ensure all client-related documentation is 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, CCAR, and Criticized Loan Asset Reports (or equivalent).
• When required, work cooperatively and effectively in a consultative or shadowing role with teammates from other Business Lending Units throughout the Bank in order 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:

• Bachelor's degree in business, finance, or banking or comparable education and related training.
• A minimum of 7 years commercial banking, loan workout or equivalent experience.
• 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.
• 10 years of experience in commercial banking, loan workout, and/or relationship management.

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 401(k) 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.

EEO is the Law

E-Verify IER Right to Work