Middle Market Credit Delivery Analyst or Senior Analyst

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

Benefits offered by this job

Medical, dental, vision

Life insurance

Disability

401k plan

Paid holidays & vacation

Job summary

Truist is seeking a Middle Market Credit Delivery Analyst to join the team in Charlotte, NC. The role involves applying basic finance and accounting knowledge to analyze borrowers, assess risks, and support underwriting with oversight from senior staff.

You will engage in credit memoranda, covenant testing, and portfolio monitoring to help drive sound credit decisions. With a focus on adherence to credit policy, you will learn internal systems and processes while collaborating with Associates,

Qualifications

• Bachelor’s degree or an 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

Written communication

Verbal communication

Interpersonal skills

Organizational skills

Time management

Business/finance knowledge

Education

Bachelor’s degree or equivalent

Minimum GPA 3.5

Tools

Microsoft Excel

PowerPoint

Job description

Regular or Temporary

Regular

Language Fluency

English (Required)

Work Shift

1st shift (United States of America)

Please review the following job description

The Middle Market Credit Delivery Analysts apply basic understanding of finance and accounting, commercial banking products/services, and credit-oriented analysis in a fast-paced and dynamic environment. With oversight from more senior teammates, Analysts facilitate financial analysis, risk assessment, compliance tracking, and portfolio management. Supports projects in coordination with assigned leader and teammates. Begins to develop skills necessary for prudent underwriting and effective credit and risk administration with particular emphasis on adherence to credit policy and requirements. Learns how to navigate internal systems, policies, and procedures necessary to support LOB goals for new business execution and existing client management/retention. Supplements analysis with external research and validation from a wide variety of sources to develop an assessment of client, competitor, market and industry risks and trends. Credit Delivery Analysts typically support Associates, VP, and SVP-level teammates and gradually complete tasks with oversight while building foundational skills in most facets of underwriting and portfolio management.

Essential Duties And 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.

Required Qualifications

• Bachelor’s degree, or an 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

Preferred Qualifications

• Minimum GPA: 3.5
• Demonstrated work experience in finance or related field

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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