Wholesale Credit Delivery Associate II

Truist; Miami (FL); On-site; USD 85,000 - 125,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Life insurance

Disability insurance

401k plan

Paid vacation

Paid sick days

Paid holidays

Job summary

Truist is seeking a Wholesale Credit Delivery professional to support underwriting and risk assessment for Commercial Banking, CRE, and Wealth specialty clients. You will own projects alongside senior Credit Delivery leaders and progressively manage assigned client opportunities.

The role requires strong communication, analytical skills and collaboration, with mentoring responsibilities and adherence to credit policy as you grow independence in client interactions.

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics or Business (or equivalent).
• 3–4 years in Commercial Banking, Commercial Real Estate, or Wealth Specialty.
• Excellent verbal and written communication skills.
• Strong analytical and problem‑solving skills.
• Strong knowledge of CRE credit delivery principles.
• Ability to handle multiple priorities under time constraints.
• Demonstrated success working in a collaborative team environment.

Responsibilities

• Facilitate diligence and underwriting documentation for complex credit relationships and coordinate closing and funding.
• Ensure loan agreements align with approvals and address issues with Relationship Manager.
• Analyze financial statements and identify risk and mitigants for complex credits.
• Maintain Credit Process Metrics within tolerances and manage portfolio risk and compliance.
• Serve as client and internal contact for assigned portfolio; may involve site visits.
• Mentor Credit Delivery Analysts and Associates.

Skills

Strong analytical skills

Microsoft Office

Communication skills

Multi-tasking

Team collaboration

Education

Bachelor’s degree in Finance/Accounting/Economics/Business

Master’s in Commercial Banking or Real Estate

Tools

Microsoft Office

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 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.

Essential Duties And Responsibilities

Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.

• Facilitates the diligence and underwriting documentation of the more complex and larger 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.
• 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.
• Analyzes financial statements/projections and documents client performance, along with identified risk and risk mitigants of most complex credits.
• 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.
• Serves as a client and internal point of contact in managing assigned portfolio. (May include site visit and/or visit with client management team)
• Supports and mentors Credit Delivery Analysts and other Associates.

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

Preferred Qualifications

• 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.
• 3 years of experience in a Commercial Banking or Commercial Real Estate Associate Development Program and/or equivalent experience in a Credit Delivery role.

#Miami #Atlanta

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.