Portfolio Manager II

Commercial Lending Underwriter

Responsible for underwriting all credit requests, including new requests as well as credit decisioning within some portfolios. Accountable for recommending credit structures with respect to quality and profitability within assigned geographies. Fundamental duties include ensuring that the risk philosophy, risk appetite, and lending strategies are adhered to while maintaining a high level of client responsiveness. Analyze financial statements and navigate a wide variety of financial structures, credit scenarios. Ensure commercial lending activities are executed according to Truist's policies and procedures. Builds effective relationships with Risk Management and client managers.

Essential Duties and Responsibilities:

• Support the commercial lending process through underwriting, policy knowledge, credit structuring, and risk assessment in credit request packages in a moderate sized or large homogeneous portfolio. Ensure packages are complete, accurate and thoroughly documented
• Analyze and/or recommend adjustments to financial statement spreads
• Interact with client, verbally and in writing, on pending loan requests or portfolio management actions
• Understand and articulate all Truist Wholesale Credit policies, procedures and processes. Recommend credit within the Bank's risk appetite, and document when and why exceptions are appropriate. May require specialized underwriting skills for Commercial and Industrial, Commercial Real Estate, SBA lending, and other product offerings
• Exercise prudent credit judgment through individual loan authority, if applicable
• Keep abreast of changing business and economic developments which impact the loan portfolio, its profitability, risk management and banking in general
• Support the CIG Corporate Portfolio by underwriting and monitoring credit requests, analyzing financial statements and ensuring credit structures align with Truist's risk philosophy, risk appetite, and policies.

Qualifications:

Required Qualifications:

• Bachelor's degree, or equivalent education and related training
• 3 years or less experience in commercial lending and/or credit experience
• Comprehensive commercial lending, underwriting, and regulatory knowledge
• Demonstrated effective problem-solving skills
• Understanding of financial and cost accounting principles
• Strong interpersonal, written, and communication
• Demonstrated proficiency in basic computer applications, such as Microsoft Office software products

Preferred Qualifications:

• Master's degree in finance, Accounting, Economics, Business or equivalent financial industry training
• Demonstrated proficiency in commercial lending systems

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.