Centralized Lending - Portfolio Manager II or III

Truist Financial • Orlando, FL

237d • Onsite

About The Position

The position is responsible for underwriting all credit requests, including new requests as well as credit decisioning within some portfolios. The role is 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. The position requires analyzing financial statements and navigating a wide variety of financial structures and credit scenarios. It is essential to ensure that commercial lending activities are executed according to Truist's policies and procedures, while building effective relationships with Risk Management and client managers.

Requirements

• Bachelor's degree, or equivalent education and related training.
• 3 years of experience in commercial lending and/or credit experience for Level II; 5+ years for Level III.
• Comprehensive commercial lending, underwriting, and regulatory knowledge.
• Demonstrated effective problem solving skills.
• Understanding of financial and cost accounting principles.
• Strong interpersonal, written, and communication skills.
• Demonstrated proficiency in basic computer applications, such as Microsoft Office software products.

Nice To Haves

• Master's degree in Finance, Accounting, Economics, Business or equivalent financial industry training.
• Demonstrated proficiency in commercial lending systems.
• RMA - Credit Risk Certification for Level III.

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.
• 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.

Benefits

• Medical, dental, vision, life insurance, disability, accidental death and dismemberment.
• Tax-preferred savings accounts.
• 401k plan.
• No less than 10 days of vacation during the first year of employment.
• 10 sick days.
• Paid holidays.
• Defined benefit pension plan, restricted stock units, and/or a deferred compensation plan may be available.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Industry: Credit Intermediation and Related Activities
• Education Level: Bachelor's degree