Portfolio Manager - Wholesale Credit Delivery - Dealer Services segment

Truist•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 adherence to regulatory and compliance guidelines. A key focus is early identification of 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 for prospects and clients, including underwriting, structuring, and documenting transactions. It analyzes company performance, industry and competitive dynamics, and macroeconomic impacts on creditworthiness; evaluates financial statements, projections, and business plans; identifies and mitigates risks; and recommends and models loan structures. The Portfolio Manager is accountable for risk evaluation and associated regulatory compliance. The role manages an assigned portfolio by monitoring performance and trends, developing credit solutions, identifying and remediating issues, maintaining risk-rating integrity, conducting annual reviews, spreading financial statements, overseeing compliance and regulatory reviews, and managing amendments and waivers. It also builds client relationships through direct calling efforts and works with internal product partners to develop solutions consistent with client needs and the Bank’s risk criteria. The Portfolio Manager partners with Investment Banking peers to deliver complex financing solutions, maintains knowledge of banking solutions and market trends, and shares industry insights across the Portfolio Management organization. The role manages deal-team tasks using assigned Associates and Analysts, and mentors and coaches junior Portfolio Managers, Associates, and Analysts, including participating in annual performance reviews for Analysts and Associates. There are no direct reports. The role provides independent risk recommendations, with final approval by the ultimate risk approval officer, and may handle complex relationships including leveraged, PEG-affiliated, sensitive, or legally difficult clients.

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.

Nice To Haves

Successful experience in a similar role at a commercial financial institution or comparable 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 the commercial underwriting process with prospects and clients; underwrite, structure, and document transactions.
Analyze company performance, industry and competitive dynamics, and macroeconomic factors affecting client creditworthiness.
Independently assess financial statements, projections, and business plans; identify and mitigate key risks.
Recommend and model appropriate loan structures, and maintain expertise in ancillary products and the effects of legal documentation and negotiation.
Evaluate risk and meet associated regulatory compliance requirements.
Manage an assigned portfolio by monitoring performance and trends, defining client credit solutions, identifying issues, and following through on remediation.
Maintain risk-rating integrity and conduct annual reviews, financial statement spreading, and compliance and regulatory reviews.
Manage amendments and waivers in the assigned portfolio.
Expand client relationships through consistent, direct client calling and work with internal product partners to develop appropriate solutions.
Partner with Investment Banking peers to deliver complex financing solutions and share industry and market insights across the Portfolio Management organization.
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.
Provide independent, current and forward-looking risk recommendations, including risk ratings, compliance assessments, and underwriting recommendations.