RECB Group Credit Leader

Truist Bank•Atlanta, GA

About The Position

Responsible for the management and leadership of a team of Managing Directors / Directors / VPs / Associates / Analysts responsible for the structuring, underwriting, and portfolio management of credit products provided to new and existing clients of Real Estate Investment Banking and Real Estate Corporate Banking. Applies strong risk disciplines and thought leadership by ensuring accuracy in execution of underwriting and portfolio management disciplines. Member of the CRE Wholesale Credit Delivery leadership team that collaborates and acts as ambassador with internal clients including coverage banking, credit risk, capital markets, and high-profile external clients as appropriate.

Requirements

Bachelor's degree in Business, Finance or related field, and specific knowledge/experience with supporting educational background, or equivalent education and related training.
10+ years of demonstrated experience leading teams in underwriting, loan portfolio administration, loan syndication, or commercial real estate loan credit decision-making.
15+ years demonstrated financial services experience with Real Estate Corporate Banking/Commercial Real Estate and credit products or commercial portfolio management.
Strong managerial/leadership experience working across functional teams with demonstrated experience implementing projects to drive process improvements.
Effective communicator who demonstrates an ability to quickly develop interpersonal relationships. Commanding presence with demonstrated ability to negotiate successfully with stakeholders in large organizational setting.
Excellent verbal and written communication, organizational, analytical, critical thinking and problem solving skills.
Proven ability to handle multiple priorities under time constraints.
Demonstrated proficiency in computer applications such as Microsoft Office suite of products.
Flexibility to travel as warranted overseeing national projects and office locations with occasional overnights (less than 25%).
FINRA Series 79 (Investment Banking Representative), Series 63 (Uniform Securities Agent State License), Series 24 (General Securities Principal), (or able to obtain licenses within six months of start date).

Nice To Haves

Master's degree in Accounting, Real Estate Finance, MBA or related field from a nationally-ranked program.
10+ years of team management experience including formation and creation of teams
Corporate, REIT, or Investment Banking Experience
Experience with pension funds, life insurance companies, or private equity firms investing in real estate
Experience in both unsecured and secured credit products and structuring.
Demonstrated experience with complex financing arrangements in Commercial Real Estate (i.e. unsecured pledge of equity facilities, large-secured portfolio financing, data center development company lending, master repurchase facilities, etc.)
Demonstrated experience managing change in large organizational settings

Responsibilities

Promote and champion the group’s mission to lead the structuring, underwriting and portfolio management of credit products for clients of the Real Estate Corporate Banking team.
Promote sound risk management as the first line of defense by ensuring compliance with Bank policies for credit, underwriting, operational, regulatory, tax, legal procedures and policies.
Implement and execute on strategies in support of financial performance metrics and tactical plans for the Real Estate Corporate Banking segment by ensuring thorough analysis from underwriting and diligent management of ongoing portfolio servicing and oversight.
Act as ambassador in representing the group’s interests through strong coordination with internal clients (banking, compliance, credit risk, audit, enablement) and high-profile external clients.
Maintain thorough knowledge of the various national and regional real estate markets including capital markets, both public and private, complex capital stack structures across debt and equity sources, and facilitating that knowledge and development within the team.
Lead team to provide a credible challenge within the 1st line of defense in support of desired risk appetite frameworks and operating within desired portfolio risk tolerances.
Ensure the commercial credit process operates at optimal efficiency by tracking and inspecting the process and response times and ensuring accountabilities for key underwriting and portfolio management responsibilities.
Review, approve, and adjudicate approval of credit decisions within designated approval authority limits.
Build and maintain good working partnerships with 2nd line of defense Credit Team partners to ensure Asset Quality dynamics remain within desired parameters including active participation in risk governance disciplines.
Facilitate the professional development of teammates to ensure the delivery of high-quality structuring, underwriting and portfolio management services and to foster a culture for early identification of emerging credit problems and industry trends.
Provide thought leadership, cultivate, and maintain subject matter expertise regarding various Truist policies and procedures governing the activities of the of Real Estate Investment Banking and Real Estate Corporate Banking groups.
Facilitate strong communication and collaboration across servicing and functional teams internally to maintain efficiency and accuracy through origination, closing, and servicing processes to drive strong client execution.
Ensure that best practices in underwriting, structuring and portfolio management from across Wholesale Credit Delivery are executed by the group.
Cultivate and maintain relationships across Truist as a member of the CRE Wholesale Credit Delivery Leadership team.
Employ strong talent management practices around development, retention, recruiting and hiring for teammates in CRE Wholesale Credit Delivery and promote a team oriented culture aligned with the Truist Purpose, Mission and Values.

Benefits

All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position.
Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates.
Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays.
Depending on the position and division, this job may also be eligible for Truist’s defined benefit pension plan, restricted stock units, and/or a deferred compensation plan.

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