Commercial Real Estate Deposit & Treasury Banker

Truist Bank•Charlotte, NC

About The Position

The Commercial Real Estate Deposit & Treasury Banker drives deposit growth, treasury management revenue, and new client acquisition within the Community Commercial Real Estate group. The banker manages a dedicated portfolio of deposit and treasury relationships while developing new relationships across the commercial real estate market, including with owners, operators, investors, developers, and property management companies. Using a consultative sales approach, the banker identifies client needs, leads deposit and treasury discussions, and partners with Treasury Consultants to create tailored solutions and support onboarding and relationship growth. The role includes managing client relationships and executing profitable growth plans, supporting credit facilities and capital markets transactions, and coordinating with product partners across the bank. It also involves managing risk, presenting opportunities and portfolio information to senior business and credit risk leaders, participating in CRE industry organizations, monitoring industry and competitive trends, and helping junior teammates develop professionally.

Requirements

Bachelor’s degree in Business, Finance, or a related field, with relevant knowledge and experience supported by education, or equivalent education and related training.
At least 12 years of related experience; 15 years is preferred. Experience preferably is in Commercial Real Estate Banking.
Strong analytical and problem-solving skills.
Effective interpersonal communication, marketing, and sales skills.
Proven negotiating ability.
Strong business acumen, including critical thinking and decision-making.
Strong understanding of the real estate industry, including real estate development and investment.
Knowledge of accounting, financial, operational, regulatory, and information technology systems.
Proficiency with basic computer applications, such as Microsoft Office products.
Competence in real estate finance modeling, including IPL, DCF, and Argus.

Nice To Haves

Formal CRE credit training.
Experience serving commercial real estate clients.
An existing network among multifamily owners, property management firms, developers, and commercial real estate investors.
Knowledge of commercial real estate operating structures and property management platforms.
Leadership roles in commercial real estate industry organizations.

Responsibilities

Manage and expand an assigned portfolio of commercial real estate deposit and treasury management relationships.
Understand clients’ business models, operating structures, cash flow cycles, and banking needs; meet regularly to identify growth opportunities.
Maintain client relationships through proactive contact, strategic reviews, and business development, while retaining and growing deposit balances.
Prospect independently for new deposit and treasury management relationships throughout the commercial real estate industry.
Develop relationships with multifamily owners and operators, property management companies, commercial real estate investors, developers, and real estate investment firms.
Build referral sources through attorneys, accountants, brokers, consultants, and industry organizations; generate opportunities through calling, networking, referrals, and market outreach.
Lead client discovery concerning operating account structures, treasury needs, payment workflows, receivables, liquidity, and fraud prevention.
Identify suitable treasury management and deposit products, and partner with Treasury Consultants to develop and present solutions and proposals.
Coordinate sales from prospecting through implementation handoff and stay engaged during onboarding.
Develop expertise in commercial real estate operating models, treasury trends, cash management, liquidity strategies, fraud mitigation, and operating account optimization.
Manage all aspects of client relationships, including driving execution of credit facilities, capital markets transactions, and treasury management services.
Serve as the lead contact for clients and prospects and execute a defined profitable growth plan to deepen relationships.
Engage with bank product partners, including Capital Markets, Treasury, Agency, Mortgage Banking, and Marketing, to provide proactive client solutions.
Maintain satisfactory credit risk standards, risk review assessments, audit results, and compliance results.
Prepare and deliver presentations to senior line-of-business and senior credit risk management concerning new credit opportunities, portfolio management, and market overviews.
Participate in CRE industry organizations, including ULI, NAIOP, CREW, RELA, and CREFC; leadership roles are preferred.
Monitor industry developments, trends, and competitive data, and serve as an industry expert for CIG CRE and Truist.
Work with junior-level teammates to foster their professional growth.

Benefits

Medical insurance
Dental insurance
Vision insurance
Life insurance
Disability insurance
Accidental death and dismemberment coverage
Tax-preferred savings accounts
401(k) plan
At least 10 days of vacation in the first year, prorated based on hire date and full-time or part-time status
10 sick days, prorated
Paid holidays
May be eligible for a defined benefit pension plan, restricted stock units, and/or deferred compensation plan, depending on position and division