Structured Lending Advisor I/II

Truist Bank•Charlotte, NC

5d•Onsite

About The Position

The Structured Lending Advisor is a client-facing role that partners with Wealth Advisors to recommend and implement highly customized, complex credit strategies for high net worth and ultra-high net worth clients and prospects. This role is an active member of the client relationship team, providing loan structure and credit advisory solutions to ensure a seamless experience for clients. The Structured Lending Advisor is responsible for achieving credit portfolio growth and meeting loan profitability goals for supported markets. They handle complex wealth borrowing structures and credit facilities, targeting UHNW clients with AUM exceeding $25+MM, and borrower credit needs potentially over $100MM. The role also involves supporting the existing Structured Lending Advisor team by facilitating the credit execution process for complex, business-purpose loan transactions, which may include drafting deal screening memos, gathering information for loan origination and underwriting, and managing the deal pipeline.

Requirements

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

Nice To Haves

Advance degree or related industry designation (CFA, CFP, etc).
Completion of formal bank credit training program from 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 simultaneously and different constituents depending on deal stage.
Strong organizational skills.
Demonstrates strong decision-making skills and ability to balance business development and risk mitigation.
Demonstrates strong negotiation and persuasion skills during external interactions with clients/prospects and internally with Relationship Management partners and Credit Risk Management.
Knowledge of financial markets, products, and related transactions.

Responsibilities

Facilitate the deal life cycle from deal proposal to loan closing.
Serve as the first point of contact for Wealth Advisors and internal deal fulfillment partners.
Escalate backlogs and issues as needed to move the transaction along the deal life cycle.
Build relationships as an active and engaged member of an advisor team, focusing on delivering planning-based loan solutions to wealth clients.
Structure highly customized, complex loan structures to clients and prospects within Truist’s prescribed credit risk appetite, procedures, and other regulatory requirements.
Handle credit requests with a variety of ownership structures and deal complexity, including commercial real estate, yacht/airplane financing, concentrated stock/highly structured securities-backed, and unsecured facilities.
Drive new business generation and manage credit pipeline for all new and increased loan requests.
Balance risk-reward expectations to meet client needs and the revenue and asset quality expectations of the bank.
Prepare deal sheet memorandum for business-purpose loan requests, identifying loan structure, financial document analysis/overview, probability model with rate recommendation, and risk mitigates.
Partner effectively with credit portfolio team, credit risk management, in-house/external counsel, compliance, and other cross-functional partners to support the timely delivery of credit processes.
Have a strong understanding of industry trends, including knowledge of competitors and loan market dynamics.
Act as a credit market ambassador for assigned regions, building credit solution awareness and actively coaching the market on profitability, credit policies, and procedures.
Ensure lending solutions are a core component of the Truist Wealth value proposition across all target client segments.
Actively identify gaps in the credit process and stays abreast of industry and market changes to improve credit solutions and client experience.