VP - Real Estate Corporate Banking - Credit Delivery

Truist • Atlanta, GA

1d

About The Position

Responsible for coordinating and overseeing financial analysis, risk assessment, and credit structure recommendations for institutional-segment Commercial Real Estate (CRE) clients and prospects. The role emphasizes prudent underwriting, effective credit and risk administration, adherence to credit policy and procedures, financial analysis and modeling, risk evaluation, ongoing portfolio maintenance, data integrity, and client support. The position collaborates with deal teams and Institutional Private Capital Relationship Managers and coverage bankers to identify creditworthy projects and opportunities in targeted markets, support relationship calling strategies, and maintain portfolio data integrity. It also provides mentoring and coaching based on broad knowledge of national project-secured, portfolio-secured, and unsecured lending across CRE asset classes, and working knowledge of national and international capital markets and institutional investment strategies. The role builds relationships across Commercial Credit, Central Credit, Relationship Managers, Portfolio Managers, and CIG CRE leadership, and is accountable for assigned portfolio and operational credit risk.

The VP leads due diligence, underwriting documentation, credit presentation preparation and discussions with Credit Officers and other approvers, and coordination of legal documentation through closing and booking for complex and larger relationships. The position oversees underwriting submissions for new money, renewals, and reviews; reviews loan documents against approvals; monitors portfolio performance and market trends; serves as a secondary client contact; coordinates execution across servicing and functional teams; and makes decisions on certain borrower requests, amendments, reviews, risk ratings, and renewals within authority levels. The VP also supports and guides Analysts and Associates on complex transactions, ensures credit process metrics and compliance requirements are met, follows up on remediation, and mentors and develops junior team members.

Requirements

• Bachelor's degree in Finance, Accounting, Economics, or Business, or an equivalent combination of education and work experience.
• Excellent verbal and written communication skills, including attention to detail.
• Demonstrated proficiency in basic computer applications, such as Microsoft Office software products.
• Strong analytical and problem-solving skills.
• Knowledge of credit principles applied to large institutional clients and familiarity with loan documentation, loan servicing, and complex real estate structures.
• Ability to handle multiple priorities under time constraints.
• Demonstrated success working in a collaborative team environment.

Nice To Haves

• At least 5 years of portfolio management and client relationship experience specifically with pension funds, life insurance companies, or private equity firms investing in real estate.
• Advanced knowledge of ARGUS software; strong Excel modeling and analysis skills, including expertise with third-party real estate data sources such as CoStar, REIS, and Axiometrics and the ability to interpret their output.
• Commercial real estate industry and loan servicing operations experience, including national experience with left lead mandates, syndications, secured and unsecured loan structures, bridge loans, value-add transactions, capital call facilities, and construction lending.
• Familiarity with loan documentation, intercreditor agreements, covenants, corporate accounting, financial statement reporting, and financial statement analysis.
• Experience with complex capital structures and capital markets transactions involving national and international investors, pension funds, and insurance companies investing in commercial real estate.
• Completion of a commercial associate program or equivalent experience; a Master's degree in Accounting, Real Estate Finance, an MBA, or a related field, or an equivalent combination of education and experience or another related advanced degree.

Responsibilities

• Lead and coordinate due diligence and underwriting documentation for the most complex and larger credit relationships; prepare and lead credit presentations and discussions with Credit Officers and final approvers; coordinate legal documentation through closing and booking.
• Review and oversee due diligence, structuring, and credit underwriting submissions for new money, renewals, and reviews.
• Ensure loan documents conform to approval documents; identify potential documentation issues and coordinate their resolution with the deal team, Relationship Manager, Portfolio Manager Team Lead, counsel, and Credit approval team.
• Oversee credit relationship and project performance and monitoring, including portfolio management and review of industry and market trends; manage the assigned portfolio in coordination with Analysts and Associates.
• Serve as a secondary client contact and internal point of contact for the assigned portfolio; this may include site visits and meetings with client management to understand strategy, relationships, and financial reporting.
• Facilitate communication and collaboration across internal servicing and functional teams through origination, closing, and servicing.
• Decide and approve non-material borrower requests, loan amendments or modifications, client requests requiring Bank approval, annual reviews, risk ratings, and renewals within delegated authority or as appropriate in coordination with the Portfolio Manager Team Lead.
• Guide and oversee Analysts and Associates on highly complex transactions, including left lead mandates, secured and unsecured loan structures, bridge loans, value-add transactions, capital call facilities, and construction lending; support financial statement and projection analysis, documentation of client performance, and identification of risks and mitigants.
• Ensure Credit Process Metrics remain within prescribed tolerances; manage risk evaluation and associated compliance requirements for the assigned portfolio and prospects; identify issues and guide follow-up and remediation.
• Lead credit presentation preparation and discussions with Credit Officers and other final approvers in collaboration with the Relationship Manager and Associates or Analysts.
• Mentor and coach Associates and Analysts.

Benefits

• Medical insurance
• Dental insurance
• Vision insurance
• Life insurance
• Disability insurance
• 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
• May be eligible for a defined benefit pension plan, restricted stock units, and/or deferred compensation plan, depending on position and division

What This Job Offers

• Job Type: Full-time
• Career Level: Executive