Associate - Middle Market Credit Delivery

Fayette Chamber of Commerce; Atlanta (GA); On-site; USD 60,000 - 80,000; Full time

Benefits offered by this job

Medical, dental, and vision insurance

401k plan

Paid vacation and sick days

Job summary

The Fayette Chamber of Commerce is looking for Middle Market Credit Delivery Associates in Atlanta, Georgia. This role involves financial analysis, risk assessment, and credit structure recommendations with mentorship responsibilities. Candidates need a Bachelor’s degree and 2-4+ years of experience in credit-focused environments.

Successful applicants will support senior teammates, manage client relationships, and contribute to underwriting documentation. Benefits include medical, dental, and retirement plans.

Qualifications

• 2–4+ years of experience in Commercial, Corporate, or Investment Banking.
• Strong verbal and written communication skills.
• Demonstrated analytical and problem-solving skills.

Responsibilities

• Facilitates diligence and underwriting documentation.
• Analyzes financial statements and documents client performance.
• Serves as a client and internal point of contact.

Skills

Financial analysis

Risk assessment

Credit structure recommendations

Analytical skills

Communication skills

Education

Bachelor’s degree in Finance, Accounting, Economics, or Business

Tools

Microsoft Excel

PowerPoint

Job description

Language Fluency: English (Required)

Work Shift

1st shift (United States of America)

Job Grade

109

The Middle Market Credit Delivery Associates have a broad understanding of the market, credit acumen, and products within sponsor/leveraged finance and general Middle Market banking segments. Facilitates financial analysis, risk assessment and credit structure recommendations for more complex client and prospect profiles with limited oversight. Takes increasing ownership of projects in coordination with assigned leader and mentors more junior teammates. Contributes to prudent underwriting and effective credit and risk administration with particular emphasis on adherence to credit policy and requirements. Supplements analysis with research and evaluations from a wide variety of sources to develop an assessment of client, competitor, property segment, market and industry risks and trends. Credit Delivery Associates typically support VP and SVP level teammates and require increasingly less oversight, begin owning components of opportunities more fully and exhibiting confidence in many facets of independent client interaction. Begins to act as a resource for more junior teammates, participating in training and onboarding for new hires.

Essential Duties and Responsibilities

1. Facilitates the diligence and underwriting documentation of complex and larger credit relationships; supports credit presentation preparation and discussions with Credit Officer and other final approvers and helps coordinates legal documentation efforts through closing and funding phase.
2. Ensures loan agreement is in accordance with approval documents. Identifies potential issues contained within loan documentation and takes steps to address the issues, in consultation with Relationship Manager.
3. Analyzes financial statements/projections and documents client performance, along with identified risk and risk mitigants of most complex credits.
4. Ensures all Credit Process Metrics are within prescribed tolerances. Accountable for the risk evaluation and associated compliance requirements within assigned portfolio and for prospects. Identifies issues and follows through for remediation.
5. Serves as a client and internal point of contact in managing assigned portfolio. (May include site visit and/or visit with client management team)
6. Supports and mentors Credit Delivery Analysts and other Associates.

Required Qualifications

1. Bachelor’s degree in Finance, Accounting, Economics, Business, or a related discipline, or an equivalent combination of education and work experience.
2. 2–4+ years of experience in Commercial, Corporate, Leveraged, and/or Investment Banking or a related credit-focused environment, supporting underwriting and transaction execution.
3. Strong verbal and written communication skills, with the ability to clearly document credit analyses, risks, and recommendations for internal stakeholders.
4. Proficient use of Microsoft Office and related financial analysis tools to prepare, analyze, and present credit materials.
5. Demonstrated analytical and problem-solving skills, including the ability to identify key credit risks and understand appropriate mitigants.
6. Working knowledge of asset-reliant (OORE, ABL-lite, balance-sheet dependent) and cash flow / enterprise value–reliant credit structures.
7. Ability to manage multiple priorities and deliver high-quality work under time constraints.
8. Demonstrated success working in a collaborative team environment, including effective partnership with Analysts, Relationship Managers, and Credit partners.
9. Solid proficiency in Microsoft Excel and PowerPoint, including financial modeling, data analysis.

Preferred Qualifications

1. Master’s or an equivalent combination of educational and experience or other related advanced degree.
2. 2+ years of experience in an equivalent experience in a Credit Delivery role.

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 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.