Middle Market Credit Delivery Analyst or Senior Analyst Job Atlanta area,Georgia USA,Finance & Banking

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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:

The Middle Market Credit Delivery Analysts apply basic understanding of finance and accounting, commercial banking products/services, and credit-oriented analysis in a fast-paced and dynamic environment. With oversight from more senior teammates, Analysts facilitate financial analysis, risk assessment, compliance tracking, and portfolio management. Supports projects in coordination with assigned leader and teammates. Begins to develop skills necessary for prudent underwriting and effective credit and risk administration with particular emphasis on adherence to credit policy and requirements.

Learns how to navigate internal systems, policies, and procedures necessary to support LOB goals for new business execution and existing client management/retention. Supplements analysis with external research and validation from a wide variety of sources to develop an assessment of client, competitor, market and industry risks and trends. Credit Delivery Analysts typically support Associates, VP, and SVP-level teammates and gradually complete tasks with oversight while building foundational skills in most facets of underwriting and portfolio management.

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.

1. Perform detailed financial analysis of borrower financial statements, projections, cash flow, leverage, liquidity, and repayment capacity.
2. Assess industry trends, business models, competitive dynamics, and key risks impacting borrower performance.
3. Prepare credit memoranda presenting transaction structure, risk assessment, mitigants, and clear credit recommendations.
4. Conduct periodic financial reviews, covenant testing, risk rating updates, and borrower performance assessments.
5. Respond to internal and external information requests related to portfolio accounts and credit transactions.
6. Produce portfolio monitoring reports, stress tests, risk dashboards, and credit exposure analyses.
7. Assist with ad hoc analyses relating to portfolio trends, industry concentrations, and credit quality metrics.
8. Maintain data accuracy across credit systems and reporting tools.

Required Qualifications:

1. Bachelor’s degree, or an equivalent combination of education and work experience.

2. 0-1+ years of related financial services work experience

3. Solid analytical skills and attention to detail

4. Solid written and verbal communication skills

5. Competitive drive and high work ethic, self-starter, team-oriented

6. Solid interpersonal skills

7. High level of adaptability and flexibility with strong organizational and time management skills

8. Solid understanding of business, finance, and accounting

9. Proficiency in Microsoft Excel and Power Point

Preferred Qualifications:

1. Minimum GPA: 3.5

2. Demonstrated work experience in finance or related field

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…