Senior Portfolio Manager - Problem Loan Resolution

Truist Financial • Atlanta, GA

82d

About The Position

The Senior Portfolio Manager - Problem Loan Resolution is responsible for underwriting all credit requests, including new requests as well as credit decisioning within some portfolios. The role is accountable for recommending credit structures with respect to quality and profitability within assigned geographies. Fundamental duties include ensuring that the risk philosophy, risk appetite, and lending strategies are adhered to while maintaining a high level of client responsiveness. The position involves analyzing financial statements and navigating a wide variety of financial structures and credit scenarios, ensuring that commercial lending activities are executed according to Truist's policies and procedures. The role also requires building effective relationships with Risk Management and client managers.

Requirements

• Bachelor's degree, or equivalent education and related training.
• Ten+ years of experience in commercial lending and/or credit experience.
• Comprehensive commercial lending, underwriting, and regulatory knowledge.
• Demonstrated effective problem-solving skills.
• Understanding of financial and cost accounting principles.
• Strong interpersonal, written, and communication skills.
• Demonstrated proficiency in basic computer applications, such as Microsoft Office software products.

Nice To Haves

• Master's degree in finance, Accounting, Economics, Business or equivalent financial industry training.
• RMA - Credit Risk Certification.
• Demonstrated proficiency in commercial lending systems.

Responsibilities

• Support the commercial lending process through underwriting, policy knowledge, credit structuring, and risk assessment in credit request packages in large and complex segments within wholesale lending or specialty lines of businesses.
• Ensure packages are complete, accurate and thoroughly documented.
• Analyze and/or recommend adjustments to financial statement spreads.
• Interact with clients, verbally and in writing, on pending loan requests or portfolio management actions.
• Understand and articulate all Truist Wholesale Credit policies, procedures and processes.
• Recommend credit within the Bank's risk appetite, and document when and why exceptions are appropriate.
• May require specialized underwriting skills for Commercial and Industrial, Commercial Real Estate, SBA lending, and other product offerings.
• Exercise prudent credit judgment through individual loan authority, if applicable.
• Engage in the development of teammates by coaching/mentoring, including underwriting, policy, credit structuring, risk identification, and utilization of lending authority.
• Effectively manage a team of Portfolio Managers, if applicable.
• Keep abreast of changing business and economic developments which impact the loan portfolio, its profitability, risk management and banking in general.

Benefits

• Medical, dental, vision, life insurance, disability, accidental death and dismemberment.
• Tax-preferred savings accounts.
• 401k plan.
• No less than 10 days of vacation during the first year of employment.
• 10 sick days.
• Paid holidays.
• Defined benefit pension plan, restricted stock units, and/or a deferred compensation plan may be available.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Industry: Credit Intermediation and Related Activities
• Education Level: Bachelor's degree