CLU Portfolio Manager III

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. Candidates must be located in one of the following locations:
Greensboro, NC;
Winston‑Salem, NC. No remote or telecommute option.

• Support the commercial lending process through underwriting, policy knowledge, credit structuring, and risk assessment in credit request packages in a large and complex segment of the wholesale loan 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. Also recommend ongoing servicing, including covenants. 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 may impact the loan portfolio, its profitability, risk management and banking in general.

• Bachelor's degree or equivalent education and related training.
• 5 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 skills.
• Demonstrated proficiency in basic computer applications, such as Microsoft Office software products.

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

All regular teammates working 20 hours or more per week are eligible for benefits, although eligibility for specific benefits may be determined by the division of Truist offering the position. Benefits include medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax‑preferred savings accounts, and a 401(k) plan. 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.