Associate / Senior Associate - Middle Market Credit Delivery - Cash Flow / EV

Truist; Atlanta (GA); On-site; USD 90,000 - 120,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

401(k) plan

Paid vacation

Paid holidays

Job summary

Truist in Atlanta is seeking a Middle Market Credit Delivery Associate who will contribute to underwriting complex credit relationships, analyze financial statements, and craft risk-adjusted credit structures. You will support senior bankers, coordinate with Relationship Managers, and help ensure adherence to credit policy while growing ownership of components of opportunities.

This role offers exposure to sponsor/leveraged finance within a leading regional bank and includes opportunities for

Qualifications

• Bachelor's degree in Finance, Economics, or related discipline or equivalent work experience.
• 2–4+ years in Commercial, Corporate, Leveraged, or Investment Banking or credit-focused environment.
• Strong verbal and written communication documenting analyses, risks and recommendations.
• Proficient use of Excel and PowerPoint for financial modeling and presentations.
• Analytical, problem-solving skills with ability to manage multiple priorities.

Responsibilities

• Facilitates diligence and underwriting documentation for complex credit relationships.
• Analyzes financial statements and documents client performance with risk mitigants.
• Supports VP/SVP and mentors junior teammates.
• Ensures compliance with credit policy and related procedures.
• Interacts with Relationship Manager and Credit partners to close transactions.

Skills

Credit analysis

Financial modeling

Excel

PowerPoint

Communication

Risk assessment

Capital markets

Education

Bachelor's degree in Finance, Economics, or related field

2–4+ years in Commercial/Credit banking

Tools

Microsoft Office

Job description

Regular or Temporary

Regular

Language Fluency

English (Required)

Work Shift

1st shift (United States of America)

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. 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

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.

• 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.
• 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.
• Analyzes financial statements/projections and documents client performance, along with identified risk and risk mitigants of most complex credits.
• 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.
• 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 and other Associates.

Required Qualifications

The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• 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, data analysis

Preferred Qualifications

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

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General Description of Available Benefits for Eligible Employees of Truist Financial Corporation

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.

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.

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