Centralized Lending- CLU Portfolio Manager I or II; Level I or II

Position: Centralized Lending- CLU Portfolio Manager I or II (Level I or II based on experience)

Job Details

Regular or Temporary: Regular

Language Fluency: English (Required)

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

Job Description

Responsible for underwriting all credit requests, including new requests as well as credit decisioning within some portfolios. Accountable for recommending credit structures with respect to quality and profitability within assigned geographies. Fundamental duties include ensuring that the risk philosophy, risk appetite, and lending strategies are adhered to while maintaining a high level of client responsiveness. Analyze financial statements and navigate a wide variety of financial structures, credit scenarios.

Ensure commercial lending activities are executed according to Truist's policies and procedures. Builds effective relationships with Risk Management and client managers.

Location

Truist in-office requirement is 5 days per week.

Candidate must be located in one of the following locations:

• Greensboro, NC
• Orlando, FL

No remote or telecommute option.

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.

• Support the commercial lending process through underwriting, policy knowledge, credit structuring, and risk assessment in credit request packages in a small or homogeneous portfolio. Ensure packages are complete, accurate and thoroughly documented.
• Analyze and/or recommend adjustments to financial statement spreads.
• Interact with client, verbally and in writing, on pending loan requests or portfolio management actions.
• Understand and articulate all Truist Wholesale Credit policies, procedures and processes. Recommend credit within the Bank's risk appetite, and document when and why exceptions are appropriate. May require specialized underwriting skills for Commercial and Industrial, Commercial Real Estate, SBA lending, and other product offerings.
• Exercise prudent credit judgment through individual loan authority, if applicable.
• Keep abreast of changing business and economic developments which impact the loan portfolio, its profitability, risk management and banking in general.

Qualifications Level I

- Required Qualifications

• Bachelor's degree, or equivalent education and related training.
• Entry level experience in commercial lending, credit experience, and/or classes/training program.
• Rudimentary commercial lending, underwriting, and regulatory knowledge.
• Effective problem solving skills.
• Understanding of financial and cost accounting principles.
• Strong interpersonal, written, and communication skills.
• Demonstrated proficiency in basic computer applications, such as Microsoft Office software products.

Level I

- Preferred Qualifications

• Demonstrated proficiency in commercial lending systems.

Level II

- Required Qualifications

• Bachelor's degree, or equivalent education and related training.
• 3 years or less experience in commercial lending and/or credit experience.
• Comprehensive commercial lending, underwriting, and regulatory knowledge.
• Demonstrated effective problem solving skills.
• Understanding of financial and cost accounting principles.
• Strong interpersonal, written, and communication.
• Demonstrated proficiency in basic computer applications, such as Microsoft Office software products.

Level II

- Preferred Qualifications

• Master's degree in Finance, Accounting, Economics, Business or equivalent financial industry training.
• Demonstrated proficiency in commercial lending systems.

Benefits 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 401k 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…