Associate - Wholesale Credit Delivery

Job Overview

The Wholesale Credit Delivery Associate and Analyst role requires a strong understanding of market, credit, and products within Commercial Banking, Commercial Real Estate, and/or Wealth specialty businesses. The role facilitates financial analysis, risk assessment, and credit structure recommendations for clients and prospects. They take ownership of projects in coordination with an assigned senior Credit Delivery leader and mentor more junior teammates.

The role performs prudent underwriting and effective credit and risk administration with particular emphasis on adherence to credit policy and requirements. Additionally, analysts supplement analysis with research and evaluations from a wide variety of sources to develop assessments of client, competitor, property segment, market and industry risks and trends. Associates are expected to require increasingly less oversight, owning assigned clients and opportunities more fully and exhibiting confidence in all facets of independent client interaction.

• Facilitates the diligence and underwriting documentation of 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.
• Ensures loan agreement is in accordance with approval documents. Identifies potential issues within loan documentation and takes steps to address the issues in consultation with Relationship Manager.
• Analyzes financial statements/projections and documents client performance, along with identified risk and risk mitigants of less complex credits.
• Ensures all Credit Process Metrics are within prescribed tolerances. Is accountable for risk evaluation and associated compliance requirements within assigned portfolio and for prospects. Identifies issues and follows through for remediation.
• Serves as a client and internal point of contact in managing assigned portfolio (may include site visit and/or visit with client management team).
• Supports and mentors Credit Delivery Analysts.

• Bachelor’s degree in Finance, Accounting, Economics or Business, or an equivalent combination of education and work experience.
• 2–3 years of Commercial Banking, Commercial Real Estate, or Wealth Specialty business experience.
• Excellent verbal and written communication skills.
• Demonstrated proficiency in basic computer applications, such as Microsoft Office software products.
• Strong analytical and problem‑solving skills.
• Knowledge of commercial real estate credit delivery principles.
• Ability to handle multiple priorities under time constraints.
• Demonstrated success working in a collaborative team environment.

• Master’s in Commercial Banking or Real Estate or a combined Commercial Banking/Commercial Real Estate experience through internships or other experiences; or an equivalent combination of educational and experience or other related advanced degree.
• 2 years of experience in a Commercial Banking or Commercial Real Estate Associate Development Program and/or equivalent experience in a Credit Delivery role.

The annual base salary for this position is $100,000 – $110,000.

All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits. 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.

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.

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.