RECB Credit Delivery Associate I

Truist; Atlanta (GA); On-site; USD 110,000 - 170,000; Full time

Job summary

Truist is seeking a Senior CRE Credit Underwriter to analyze and structure deals for commercial real estate clients. You will lead due diligence, assess risk, and prepare credit presentations for approvals.

You will collaborate with Relationship Managers to identify credit-worthy projects, monitor portfolios, and ensure data integrity while staying current with market trends.

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics or Business, or an equivalent combination of education and work experience.
• Possess appropriate Investment Banking licensure including Series 79 and Series 63.
• 3+ years of experience in underwriting, portfolio administration or commercial loan credit decision-making.
• Experience in underwriting, structuring and closing direct and syndicated loan transactions ($25MM to $250MM+).
• Excellent verbal and written communication skills.
• Proficiency in basic computer applications, such as Microsoft Office.
• Strong analytical and problem-solving skills.
• Knowledge of credit principles.

Responsibilities

• Lead the due diligence, develop credit underwriting and structuring on new money, renewals and reviews; make independent recommendations.
• Research and qualify prospects; underwrite new opportunities balancing risk/return for the Bank.
• Complete performance and monitoring activity for the portfolio, including risk assessments and market trend analysis.
• Serve as client/internal point of contact for managing the portfolio; may include site visits.
• Provide real estate underwriting knowledge; understand current industry and market trends.
• Lead credit presentation preparation and discussions with Credit Officer and final approvers.
• Mentor and coach Portfolio Analysts.

Skills

Analytical skills

Credit principles

Communication skills

Problem solving

Team collaboration

Multi-tasking

Education

Bachelor's degree in Finance/Accounting/Economics

Investment Banking licensure Series 79 & Series 63

Master's degree in related field

Tools

ARGUS software

Excel modeling

CoStar

REIS

Axiometrics

Credit risk software

Job description

Regular or Temporary:

Regular

Language Fluency:

English (Required)

Work Shift:

1st shift (United States of America)

Please review the following job description:

Responsible for the financial analysis, risk assessment and credit structure recommendation for Commercial Real Estate clients and prospects. This includes prudent underwriting and effective credit and risk administration with particular emphasis on adherence to credit policy and requirements, financial analysis/modeling, risk evaluation, on-going portfolio maintenance activities, data integrity, portfolio reporting and client support. Collaborate with Relationship Manager to identify credit worthy projects within targeted markets and assist in the prioritization of relationship calling strategies.

Supplement analysis with portfolio data, research and property level evaluation from a wide variety of internal and external sources to develop an assessment of client, competitor, property segment, market and industry risks and trends.

Essential Duties And Responsibilities

• Responsible for leading the due diligence, developing credit underwriting and structuring on new money, renewals and reviews, making independent recommendations based on assigned components of the deal. Acts as author and creates initial view of risk based on experience and skills.
• Works independently and with Portfolio Manager researching and qualifying prospects and underwriting new opportunities. Applies understanding of credit risk to evaluate and recommend new requests balancing risk /return for the Bank.
• Completes performance and monitoring activity for assigned portfolio to include overall portfolio management, client risk assessments, required risk monitoring activity and understanding of current industry and market trends.
• Serve as a client and internal point of contact in managing assigned portfolio. (May include site visit and/or visit with client management team)
• Serves as source of real estate underwriting knowledge and expertise, which includes understanding of current industry and/or market trends.
• Responsible for leading credit presentation preparation and discussions with Credit Officer and other final approvers.
• Mentors and coaches Portfolio Analyst.

Qualifications

Required Qualifications

• Bachelor’s degree in Finance, Accounting, Economics or Business, or an equivalent combination of education and work experience.
• Possess appropriate Investment Banking licensure including Series 79 (Investment Banking Representative) and Series 63 (Uniform Securities Agent State License)
• 3+ years of experience in underwriting, portfolio administration or commercial loan credit decision-making
• Experience in underwriting, structuring and closing direct and syndicated loan transactions (e.g. $25MM to $250MM+)
• Excellent verbal and written communication skills.
• Demonstrated proficiency in basic computer applications, such as Microsoft Office software products.
• Strong analytical and problem-solving skills.
• Knowledge of credit principles.
• Ability to handle multiple priorities under time constraints.
• Demonstrated success working in a collaborative team environment.

Preferred Qualifications

• Graduate of Truist or legacy Development Program
• 5 Years of portfolio management and client relationship experience preferably in Commercial Real Estate related industries.
• Intermediate knowledge of ARGUS software; high level Excel modeling and analysis tools, including expertise in use of 3rd party Real Estate Data Sources (CoStar, REIS, Axiometrics)
• Familiarity with loan documentation, covenants, Corporate Accounting and financial statement reporting including analysis of financial statements
• Completion of commercial associate program or equivalent experience; Master’s degree in Accounting, Real Estate Finance, MBA or related field or an equivalent combination of educational and experience or other related advanced degree.

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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