Structured Lending Advisor I

Truist Bank•Ponce, FL

16h

About The Position

The Structured Lending Advisor is a geographically or segment-based, client-facing role that partners directly with Wealth Advisors to recommend customized, complex credit strategies for high-net-worth and ultra-high-net-worth clients and prospects. The role is an active member of the client relationship team, providing loan-structure and credit-advisory solutions while supporting a seamless experience for wealth clients and prospects. Structured Lending Advisors are responsible for credit portfolio growth and loan profitability in supported markets, handling complex wealth borrowing structures and credit facilities, including needs that may exceed $100 million for UHNW clients with assets under management exceeding $25 million. The advisor also supports the existing Structured Lending Advisor team in executing complex, business-purpose loan transactions. This can include preparing deal-screening memos, gathering loan origination and underwriting information, and managing the deal pipeline to support timely delivery for clients and the bank.

Requirements

Bachelor’s degree in a business-related field, or equivalent education and training.
Five years of training and experience related to the Lending Advisor role.
Experience evaluating client financial statements and overall profiles to structure complex, customized credit as part of a client’s financial plan.
Familiarity with complex client entity structures, commercial lending products, and/or complex customized cash-flow-based wealth lending solutions.
Excellent oral and written communication skills.
Strong client-relationship skills and demonstrated ability to work with a team.

Nice To Haves

Advanced degree or related industry designation, such as CFA or CFP.
Completion of a formal bank credit training program at a well-respected financial institution.
Knowledge of relevant legal, regulatory, and compliance issues.
Solid legal and loan-structuring fundamentals.
Ability to operate independently with minimal supervision.
Ability to manage multiple deals and different constituents depending on deal stage.
Strong organizational skills.
Strong decision-making skills and ability to balance business development with risk mitigation.
Strong negotiation and persuasion skills in client and internal interactions.
Knowledge of financial markets, products, and related transactions.

Responsibilities

Facilitate the deal lifecycle from proposal through loan closing.
Serve as the first point of contact for Wealth Advisors and internal deal-fulfillment partners, escalating backlogs and issues as needed.
Build relationships as an engaged member of an advisor team and deliver planning-based loan solutions to wealth clients.
Structure customized, complex loans within Truist’s credit risk appetite, procedures, and regulatory requirements.
Support varied ownership structures and credit requests, including commercial real estate, yacht and airplane financing, securities-backed facilities, and unsecured facilities.
Generate new business and manage the pipeline for new and increased loan requests.
Balance client needs and risk-reward expectations with bank revenue and asset-quality goals.
Prepare deal-sheet memoranda for business-purpose loan requests, covering loan structure, financial-document analysis, probability models, rate recommendations, and risk mitigants.
Partner with credit portfolio teams, credit risk management, counsel, compliance, and other cross-functional partners to support timely credit processes.
Maintain awareness of industry trends, competitors, and loan-market dynamics.
Represent credit solutions in assigned regions, building awareness and coaching the market on profitability, credit policies, and procedures.
Promote lending solutions as part of the Truist Wealth value proposition across target client segments.
Identify gaps in the credit process and stay current on industry and market changes to improve credit solutions and client experience.
Support complex business-purpose loan execution by preparing deal-screening memos, gathering origination and underwriting information, and managing the team’s deal pipeline.

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 vacation during the first year, prorated based on hire date and full-time or part-time status
10 sick days, prorated
Paid holidays
Depending on position and division, eligibility for a defined benefit pension plan, restricted stock units, and/or deferred compensation plan