Junior Middle Market Credit Analyst

Truist; Atlanta (GA); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Benefits package

Paid time off

Job summary

Truist is seeking a Middle Market Credit Delivery Analyst to support financial analysis, risk assessment, and portfolio management under supervision. You will engage in underwriting-adjacent tasks, contribute to credit memoranda, and help ensure adherence to credit policy while supporting senior teammates.

You will build foundational skills in underwriting, data validation, and reporting within a structured credit environment, advancing toward more autonomous responsibilities over time.

Qualifications

• Bachelor’s degree or equivalent combination of education and work experience.
• 0-1+ years of related financial services work experience
• Solid analytical skills and attention to detail
• Solid written and verbal communication skills
• Competitive drive and high work ethic, self-starter, team-oriented
• Solid interpersonal skills
• High level of adaptability and flexibility with strong organizational and time management skills
• Solid understanding of business, finance, and accounting
• Proficiency in Microsoft Excel and PowerPoint

Responsibilities

• Perform detailed financial analysis of borrower financial statements, projections, cash flow, leverage, liquidity, and repayment capacity.
• Assess industry trends, business models, competitive dynamics, and key risks impacting borrower performance.
• Prepare credit memoranda presenting transaction structure, risk assessment, mitigants, and clear credit recommendations.
• Conduct periodic financial reviews, covenant testing, risk rating updates, and borrower performance assessments.
• Respond to internal and external information requests related to portfolio accounts and credit transactions.
• Produce portfolio monitoring reports, stress tests, risk dashboards, and credit exposure analyses.
• Assist with ad hoc analyses relating to portfolio trends, industry concentrations, and credit quality metrics.
• Maintain data accuracy across credit systems and reporting tools.

Skills

Analytical skills

Communication skills

Interpersonal skills

Team-oriented

Time management

Adaptability

Finance & accounting understanding

Self-starter

Attention to detail

Education

Bachelor’s degree or equivalent

Minimum GPA: 3.5

Tools

Microsoft Excel

PowerPoint

Job description

Truist is seeking a Middle Market Credit Delivery Analyst to support financial analysis, risk assessment, and portfolio management under supervision. You will engage in underwriting-adjacent tasks, contribute to credit memoranda, and help ensure adherence to credit policy while supporting senior teammates.

You will build foundational skills in underwriting, data validation, and reporting within a structured credit environment, advancing toward more autonomous responsibilities over time.