Wholesale Credit Delivery Associate

Truist Wealth; Charlotte (NC); On-site; USD 65,000 - 100,000; Full time

Benefits offered by this job

Health benefits

401(k) plan

Job summary

Truist Wealth is seeking a Wholesale Credit Delivery Associate/Analyst to support underwriting and credit analysis for Commercial Banking, CRE, and Wealth specialty clients. The role includes diligence, documentation, risk assessment and collaboration with Credit Officers.

Candidates should have a Finance/business degree and 2–3 years in related fields, with strong communication and analytical skills. On-site role in Charlotte, NC with opportunities to mentor colleagues.

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics or Business or equivalent.
• 2–3 years of Commercial Banking, Commercial Real Estate, or Wealth Specialty experience.
• Excellent verbal and written communication skills.
• Proficiency in Microsoft Office software.
• Strong analytical and problem-solving skills.
• Knowledge of commercial real estate credit delivery principles.
• Ability to handle multiple priorities under time constraints.
• Demonstrated success working in a collaborative team environment.

Responsibilities

• Facilitates diligence and underwriting documentation for less complex credit relationships.
• Supports credit presentation preparation and discussions with Credit Officer and final approvers.
• Coordinates legal documentation through closing and funding.
• Ensures loan agreements align with approval documents and addresses issues with Relationship Manager.
• Analyzes financial statements and projections, documents performance and risk.
• Manages assigned portfolio as client and internal contact; may include site visits.
• Mentors Credit Delivery Analysts.

Skills

Strong communication

Analytical skills

Team collaboration

Time management

Microsoft Office

Education

Bachelor’s degree

Master’s degree (preferred)

Tools

Microsoft Office

Job description

Essential Duties and Responsibilities

The Wholesale Credit Delivery Associates and Analysts have a strong understanding of the market, credit and products within Commercial Banking, Commercial Real Estate, and/or Wealth specialty businesses and facilitates financial analysis, risk assessment and credit structure recommendations for clients and prospects. Takes ownership of projects in coordination with assigned senior Credit Delivery leader and mentors more junior teammates. Performs prudent underwriting and effective credit and risk administration with particular emphasis on adherence to credit policy and requirements. Supplements analysis with research and evaluations from a wide variety of sources to develop an assessment of client, competitor, property segment, market and industry risks and trends. Credit Delivery Associates may be assigned to selected senior Credit Delivery leader(s) but require increasingly less oversight, begin owning their assigned clients and opportunities more fully and exhibiting confidence in all facets of independent client interaction.

Regular or Temporary: Regular Language Fluency: English (Required) Work Shift: 1st shift (United States of America)

• 1. Facilitates the diligence and underwriting documentation of the less complex and smaller credit relationships; supports credit presentation preparation and discussions with Credit Officer and other final approvers and coordinates legal documentation efforts through closing and funding phase.
• 2. Ensures loan agreement is in accordance with approval documents. Identifies potential issues contained within loan documentation and takes steps to address the issues, in consultation with Relationship Manager.
• 3. Analyzes financial statements/projections and documents client performance, along with identified risk and risk mitigants of less complex credits.
• 4. Ensures all Credit Process Metrics are within prescribed tolerances. Accountable for the risk evaluation and associated compliance requirements within assigned portfolio and for prospects. Identifies issues and follows through for remediation.
• 5. Serves as a client and internal point of contact in managing assigned portfolio. (May include site visit and/or visit with client management team)
• 6. Supports and mentors Credit Delivery Analysts.

Required Qualifications

• 1. Bachelor’s degree in Finance, Accounting, Economics or Business, or an equivalent combination of education and work experience.
• 2. 2-3 years of Commercial Banking, Commercial Real Estate, or Wealth Specialty business experience.
• 3. Excellent verbal and written communication skills.
• 4. Demonstrated proficiency in basic computer applications, such as Microsoft Office software products.
• 5. Strong analytical and problem-solving skills.
• 6. Knowledge of commercial real estate credit delivery principles.
• 7. Ability to handle multiple priorities under time constraints.
• 8. Demonstrated success working in a collaborative team environment.

Preferred Qualifications

• 1. Master’s in Commercial Banking or Real Estate or combined Commercial Banking/Commercial Real Estate experience through internships or other experiences; or an equivalent combination of educational and experience or other related advanced degree.
• 2. 2 years of experience in a Commercial Banking or Commercial Real Estate Associate Development Program and/or equivalent experience in a Credit Delivery role.

Benefits

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.

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About Truist Truist is a purpose-driven financial services company, formed by the historic merger of equals of BB&T and SunTrust. We serve clients in a number of high-growth markets in the country, offering a wide range of financial services. At Truist, our purpose is to inspire and build better lives and communities. That happens through real care to make things better. To meet client needs, to empower teammates, and to lift up communities. Learn more about Truist on truist.com.