Structured Lending Advisor II or III

Truist; Houston (TX); On-site; USD 120,000 - 190,000; Full time

Job summary

Truist is seeking a Structured Lending Advisor in the United States (Houston area) to partner with Wealth Advisors and deliver customized, complex credit solutions for high net worth clients. You will handle the deal life cycle from proposal to closing and drive credit portfolio growth in supported markets.

The role requires strong communication, client relationship skills, and the ability to work across cross-functional teams while maintaining regulatory compliance and profitability targets.

Qualifications

• Bachelor's degree in business-related field, or equivalent education and training.
• Seven years of training and experience related to Lending Advisor role.
• Experience evaluating financial statements to structure complex, custom credits.
• Familiarity with complex client entity structures and wealth lending solutions.
• Excellent oral and written communication skills.
• Solid client relationship skills and ability to work in a team.
• Strong organizational skills; NMLS / Safe Act registered within days of hire.

Responsibilities

• Facilitate the deal life cycle from deal proposal to loan closing.
• Serve as the first point of contact for Wealth Advisors and deal fulfillment partners.
• Escalate backlogs and issues to move transactions along.
• Build relationships as an advisor team member to deliver planning-based loan solutions.
• Structure highly customized, complex loan structures within credit risk appetite and regulatory requirements.
• Manage various ownership structures and deal complexity including CRE, asset-backed facilities.
• Drive new business and manage credit pipeline for new and increased loan requests.
• Prepare deal sheets with structure, financial analysis, risk mitigation, and rate recommendations.
• Collaborate with credit portfolio, risk management, counsel, compliance and cross-functional partners.
• Maintain knowledge of industry trends, competitors, and loan market dynamics.
• Act as a credit market ambassador for assigned regions and coach the market on profitability and policies.
• Ensure lending solutions are core to Truist Wealth value proposition and identify process gaps.

Skills

Communication skills

Client relationship skills

Team collaboration

Strong organizational skills

Education

Bachelor's degree in business-related field

Seven years of lending/advisory experience

Job description

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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. The Structured Lending Advisor partners 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.

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.
• Seven 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.
• Solid client relationship skills and demonstrated ability to work with a team.
• Strong organizational skills. NMLS / Safe Act Registered within --- days of hire.

Preferred Qualifications

• Advance degree or related industry designation (CFA, CFP, etc).
• Completion of formal bank credit training program from a well-respected financial institution.
• Demonstrated ability to manage HNW and UHNW relationships and their advisors.
• Knowledge of relevant legal, regulatory and compliance issues.
• Deep credit experience and knowledge.
• Excellent legal and loan structuring fundamentals.
• In-depth knowledge of investment banking and corporate finance transactions, including with leveraged credit underwriting.

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.

Equal Opportunity Employer Statement

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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