Associate - Middle Market Credit Delivery

Truist; Charlotte (NC); On-site; USD 60,000 - 85,000; Full time

Benefits offered by this job

Medical, dental, and vision insurance

401(k) plan

Paid vacation and sick days

Job summary

Truist is seeking a Middle Market Credit Delivery Associate based in Charlotte, North Carolina. The role involves facilitating financial analysis and credit recommendations for complex client profiles, emphasizing adherence to credit policy.

Ideal candidates will possess a bachelor's degree in Finance or a related area, alongside 2-4+ years of relevant experience. The position offers competitive benefits, including medical and retirement plans, as well as paid vacation days.

Qualifications

• 2–4+ years of experience in a credit-focused environment.
• Strong verbal and written communication skills.
• Demonstrated success in a collaborative team environment.

Responsibilities

• Facilitate underwriting documentation of complex credit relationships.
• Analyze financial statements and document client performance.
• Serve as a client point of contact managing the assigned portfolio.

Skills

Credit analysis

Financial modeling

Communication skills

Analytical problem-solving

Microsoft Office proficiency

Education

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

Tools

Microsoft Excel

Microsoft PowerPoint

Job description

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. They facilitate financial analysis, risk assessment, and credit structure recommendations for more complex client and prospect profiles with limited oversight. The role takes increasing ownership of projects in coordination with an assigned leader and mentors more junior teammates. Credit Delivery Associates contribute to prudent underwriting and effective credit and risk administration with particular emphasis on adherence to credit policy and requirements.

Language Fluency: English (Required). Work Shift: 1st shift (United States of America).

Responsibilities

• Facilitate the diligence and underwriting documentation of complex and larger credit relationships; support credit presentation preparation and discussions with Credit Officer and other final approvers; help coordinate legal documentation efforts through closing and funding phase.
• Ensure loan agreement is in accordance with approval documents; identify potential issues within loan documentation and address them in consultation with Relationship Manager.
• Analyze financial statements/projections and document client performance, along with identified risk and risk mitigants of most complex credits.
• Ensure all Credit Process Metrics are within prescribed tolerances; be accountable for the risk evaluation and associated compliance requirements within the assigned portfolio and for prospects; identify issues and follow through for remediation.
• Serve as a client and internal point of contact in managing the assigned portfolio (may include site visits and/or visits with client management team).
• Support and mentor Credit Delivery Analysts and other Associates.

Required Qualifications

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

Preferred Qualifications

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

Benefits

Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax‑preferred savings accounts, and a 401(k) plan to teammates. Employees also receive a minimum of 10 vacation days (prorated based on date of hire and full‑time or part‑time status) and 10 sick days (prorated), along with paid holidays. Depending on the position and division, this job may also qualify 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.