Structured Lending Advisor I/II

Truist; Atlanta (GA); On-site; USD 170,000 - 210,000; Full time

Job summary

Truist is seeking a Structured Lending Advisor to partner with Wealth Advisors in Atlanta, GA. This client-facing role develops highly customized credit strategies for high net worth and ultra-high net worth clients, managing the deal lifecycle from screening to closing.

You will analyze financial statements, structure complex loans, and collaborate with credit teams to optimize profitability while delivering a seamless end-to-end experience across Truist Wealth.

Qualifications

• Bachelor's degree in business-related field, or equivalent education and training.
• Five years of lending advisory experience.
• Experience evaluating a client's financial statements to structure complex, custom credits.
• Familiar with complex client entity structures, commercial lending products and/or complex, custom cash-flow based wealth lending solutions.
• Excellent proven oral and written communication skills.
• Strong client relationship skills and demonstrated ability to work with a team.

Responsibilities

• Facilitate the deal life cycle from deal proposal to loan closing.
• Serve as the first point of contact for Wealth Advisors and internal deal fulfillment partners.
• Escalate backlogs and issues as needed to move the transaction along the deal life cycle.
• Build relationships as an active member of an advisor team, focusing on delivering planning-based loan solutions to wealth clients.
• Structure highly customized, complex loan structures within Truist's credit risk policies and regulatory requirements.
• Drive new business generation and manage credit pipeline for all new and increased loan requests.
• Prepare deal sheet memorandums for business-purpose loans and coordinate with risk management and counsel.

Skills

Communication skills

Client relationships

Team collaboration

Independent work

Education

Bachelor's degree in business-related field

Advanced degree or CFA/ CFP (preferred)

Job description

Need Help?

If you have a disability and need assistance with the application, you can request a reasonable accommodation. Send an email to Accessibility (accommodation requests only; other inquiries won't receive a response).

Regular or Temporary:

Regular

Language Fluency:

English (Required)

Work Shift:

1st shift (United States of America)

Please review the following job description:

The Structured Lending Advisor is a geographically (or segment) based, client-facing role, partnering directly with Wealth Advisors to recommend highly customized, complex credit strategies to meet the needs of high net worth and ultra-high net worth clients and prospects. The Structured Lending Advisor is an active member of the client relationship team, providing loan structure and credit advisory solutions while ensuring a seamless end-end experience for wealth clients and prospects. Structured Lending Advisors are responsible for achieving credit portfolio growth and meeting loan profitability goals for supported markets. Structured Lending Advisors handle the most complex wealth borrowing structures and credit facilities, targeting UHNW clients with AUM in excess of $25+MM. Borrower credit needs can be in excess of $100MM. Provide support to the existing Structured Lending Advisor team to facilitate the credit execution process for complex, business-purpose loan transactions. Duties could include: drafting deal screening memos for use in early deal discussions, gathering required information for loan origination and underwriting, and managing the deal pipeline for team to ensure the timely delivery of deals on behalf of clients and the bank.

Essential Duties And Responsibilities

• Facilitate the deal life cycle from deal proposal to loan closing.
• Serve as the first point of contact for Wealth Advisors and internal deal fulfillment partners.
• Escalate backlogs and issues as needed to move the transaction along the deal life cycle.
• Build relationships as an active and engaged member of an advisor team, focusing on delivering planning-based loan solutions to wealth clients.
• Structure highly customized, complex loan structures to clients and prospect within Truist's prescribed credit risk appetite, procedures and other regulatory requirements.
• Credit requests have a variety of ownership structures and deal complexity, and could include both owner-occupied and investor-owned commercial real estate, yacht/airplane financing, concentrated stock/highly structured securities-backed and unsecured facilities.
• Drive new business generation and manage credit pipeline for all new and increased loan requests
• Balance risk-reward expectations to meet client needs and the revenue and asset quality expectations of the bank
• Prepare deal sheet memorandum for business-purpose (i.e. wholesale) loan requests, identifying loan structure, financial document analysis/ overview, probability model with rate recommendation and risk mitigates.
• Partner effectively with credit portfolio team, credit risk management, in-house/external counsel, compliance and other cross-functional partners to support the timely delivery of the credit processes to market partners and clients.
• Have a strong understanding of industry trends, including knowledge of competitors and loan market dynamics. Typical competitors for the Wealth Advisory portfolio include: Goldman Sachs, Bank of America, or J.P. Morgan.
• Act as a credit market ambassador for assigned regions, building credit solution awareness and actively coaching the market on profitability, credit policies and procedures.
• Ensure lending solutions are a core component of the Truist Wealth value proposition across all target client segments.
• Actively identify gaps in the credit process and stays abreast of industry and market changes to improve credit solutions and client experience.

Qualifications

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 business-related field, or equivalent education and training.
• Five years of training and experience related to Lending Advisor role.
• Experience in evaluating a client's financial statements and overall profile to structure complex, custom credits that are part of a client's overall financial plan.
• Must be familiar with complex client entity structures, commercial lending products and/or complex, custom cash-flow based wealth lending solutions
• Excellent proven oral and written communication skills.
• Strong client relationship skills and demonstrated ability to work with a team.

Preferred Qualifications:

• Advance degree or related industry designation (CFA, CFP, etc).
• Completion of formal bank credit training program from a well-respected financial institution.
• Knowledge of relevant legal, regulatory and compliance issues.
• Solid legal and loan structuring fundamentals.
• Ability to operate independently with minimal supervision. Ability to manage multiple deals simultaneously and different constituents depending on deal stage.
• Strong organizational skills.
• Demonstrates strong decision-making skills and ability to balance business development and risk mitigation.
• Demonstrates strong negotiation and persuasion skills during external interactions with clients/prospects and internally with Relationship Management partners and Credit Risk Management.
• Knowledge of financial markets, products and related transactions.

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.

EEO is the Law E-Verify IER Right to Work