Portfolio Manager - Wholesale Credit Delivery - Dealer Services segment

Truist Bank • Dallas, TX

6d

About The Position

Underwrites credit exposure for less complex relationships and actively manages a portfolio of Dealer Services relationships. The role includes day-to-day client interaction, portfolio risk management, and adherence to regulatory and compliance guidelines. A critical component is the early identification of emerging credit concerns, sector trends, funding pressures, governance issues, liquidity challenges, and changes in revenue patterns such as donor, grant, reimbursement, or program revenue.

The Portfolio Manager leads commercial underwriting processes, structures and documents transactions, analyzes company performance and industry and macroeconomic dynamics, evaluates financial statements and business plans, identifies and mitigates risks, recommends loan structures, and supports risk evaluation and regulatory compliance. The role manages an assigned portfolio through performance monitoring, annual reviews, risk-rating integrity, financial statement spreading, compliance reviews, amendments, waivers, and remediation of identified issues.

The Portfolio Manager expands client relationships through direct calling efforts and collaborates with internal product partners to develop solutions that meet client needs and the Bank's risk criteria. The role partners with Investment Banking peers on complex financing solutions, maintains knowledge of banking solutions and industry trends, and shares relevant insights across the Portfolio Management organization. It also coordinates deal-team tasks with assigned Associates and Analysts and mentors and coaches junior teammates. There are no direct reports. The role provides independent risk recommendations, which are ultimately approved by the risk approval officer, and may handle complex, leveraged, sensitive, or difficult-to-structure relationships.

Requirements

• Bachelor’s degree in Finance or a related field.
• At least 5 years of related training and experience in commercial/Dealer Services credit analysis.
• Mastery-level proficiency with MS Office desktop applications.
• Strong interpersonal skills and solid written and verbal communication skills.
• Sound credit skills.
• Strong attention to detail.
• Ability to prioritize workflow and multitask in a fast-paced environment.
• English language fluency is required.

Nice To Haves

• Successfully held a similar role with a commercial financial institution or have like experience.
• Industry or sub-sector expertise.
• Mastery of Truist Bank operating systems, including COMPASS and other Commercial applications such as MRA, Salesforce.com, and nCino.

Responsibilities

• Lead commercial underwriting processes with prospects and clients; underwrite, structure, and document transactions.
• Analyze company performance, financial statements, projections, business plans, industry dynamics, competitive conditions, and macroeconomic events to assess creditworthiness.
• Identify and mitigate key risks, recommend and model loan structures, and evaluate ancillary products and legal documentation considerations.
• Provide risk evaluations and meet regulatory compliance requirements.
• Manage assigned portfolio performance and trends; proactively define credit solutions, identify issues, and follow through on remediation.
• Maintain risk-rating integrity and conduct annual reviews, financial statement spreading, compliance reviews, and regulatory reviews.
• Manage amendments and waivers within the assigned portfolio.
• Make consistent, direct client calls and collaborate with internal product partners to develop appropriate client solutions.
• Partner with Investment Banking peers to deliver complex financing solutions and maintain knowledge of banking solutions, market trends, and business drivers.
• Understand and communicate industry and economic trends and share relevant information across the Portfolio Management organization.
• Manage deal-team tasks using assigned Associates and Analysts; mentor and coach junior Portfolio Managers, Associates, and Analysts.
• Participate in annual performance reviews for Analysts and Associates.
• Provide independent, forward-looking risk recommendations, including risk ratings, compliance assessments, and underwriting recommendations.

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 first-year vacation, 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

What This Job Offers

• Job Type: Full-time
• Career Level: Senior