Portfolio Manager - Wholesale Credit Delivery - Dealer Services segment

Truist Bank•Tampa, FL

About The Position

The Portfolio Manager 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 compliance with regulatory requirements. A critical focus is identifying emerging credit concerns, sector trends, funding pressures, governance issues, liquidity challenges, and changes in donor, grant, reimbursement, or program revenue patterns. The position leads commercial underwriting from start to finish, including underwriting, structuring, and documenting transactions. It independently manages complex deals and large credit relationships, performs in-depth financial analysis, identifies and mitigates risks, recommends loan structures, and evaluates regulatory compliance requirements. It also manages assigned portfolios through performance monitoring, annual reviews, risk-rating integrity, financial statement analysis, amendments, waivers, and remediation of issues. The Portfolio Manager expands client relationships through direct calling efforts and collaborates with internal product partners to develop suitable credit solutions. The role partners with Investment Banking peers, maintains expertise in banking solutions and market trends, shares relevant industry information, and manages deal-team tasks using assigned Associates and Analysts. It also mentors junior team members and contributes to performance reviews for Analysts and Associates. The position provides independent risk recommendations, with final approval made by the ultimate risk approval officer.

Requirements

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

Nice To Haves

Successful experience in a similar role at a commercial financial institution or equivalent experience.
Industry or subsector expertise.
Mastery of Truist Bank operating systems, including COMPASS and other commercial applications such as MRA, Salesforce.com, and nCino.

Responsibilities

Lead the commercial underwriting process internally and externally with prospects and clients.
Underwrite, structure, and document prospect and client transactions, including complex deals and large credit relationships.
Analyze company performance, financial statements, projections, business plans, industry and competitive dynamics, and macroeconomic events to assess creditworthiness.
Identify and mitigate key risks, recommend and model loan structures, and maintain knowledge of ancillary products and related legal documentation.
Evaluate risk and comply with applicable regulatory requirements.
Manage assigned portfolios by monitoring performance and trends, defining credit solutions, identifying issues, and following through on remediation.
Maintain risk-rating integrity and complete annual reviews, financial statement spreading, compliance reviews, and regulatory reviews.
Manage amendments and waivers within the assigned portfolio.
Identify, communicate, and manage current and forward-looking client risks independently, transparently, and collaboratively.
Expand client relationships through consistent, direct client calling efforts.
Work with internal product partners to develop solutions that meet client needs and the Bank’s risk acceptance criteria.
Partner with Investment Banking peers to deliver complex financing solutions to CCB clients.
Maintain and share knowledge of banking solutions, industry trends, economic patterns, and business drivers.
Manage deal-team tasks using assigned Associates and Analysts.
Mentor and coach junior Portfolio Managers, Associates, and Analysts, including participating in annual performance reviews for Analysts and Associates.
Author independent risk recommendations, including recommendations on risk ratings, compliance, and underwriting.

Benefits

Medical insurance
Dental insurance
Vision insurance
Life insurance
Disability insurance
Tax-preferred savings accounts
401(k) plan
At least 10 days of vacation during the first year, prorated as applicable
10 sick days, prorated as applicable
Paid holidays
Depending on position and division, the role may also be eligible for a defined benefit pension plan, restricted stock units, and/or deferred compensation plan.