VP - RECB Credit Delivery

Truist Bank•Atlanta, GA

1d•Onsite

About The Position

Responsible for coordination and oversight of the financial analysis, risk assessment and credit structure recommendation for Commercial Real Estate (CRE) clients and prospects within the institutional segment. This includes prudent underwriting and effective credit and risk administration with particular emphasis on adherence to credit policy and procedure, financial analysis/modeling, risk evaluation, on-going portfolio maintenance activities, data integrity, and client support. Collaborate with deal team to maintain data integrity on existing portfolio and identify credit worthy projects within targeted markets. Collaborate with Institutional Private Capital (IPC) IPC Relationship Managers and coverage bankers to identify appropriate credit opportunities within targeted markets and assists in the prioritization of relationship calling strategies. Supplement team performance through mentoring and coaching by applying a comprehensive knowledge of national project secured, portfolio secured, and unsecured lending including deep knowledge across all CRE asset classes and a working knowledge of national and international capital markets including institutional investment strategies, both public and private. Builds and maintains constructive relationships between Commercial Credit including Central Credit, Relationship Managers, Portfolio Managers and CIG CRE cross functional leadership. Maintain a comprehensive knowledge of the assigned portfolio and is responsible for operational and credit risk. ESSENTIAL DUTIES AND RESPONSIBILITIES Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time. 1. Lead and coordinate the due diligence and underwriting documentation of the most complex and larger credit relationships; lead credit presentation preparation and discussion with Credit Officer and other final approvers, and coordinate legal documentation efforts through closing and booking. 2. Responsible for review and oversight prior to submission of due diligence, structuring, and credit underwriting on new money, renewals and reviews. 3. Ensure loan documents are in accordance with approval documents. Identifies potential issues contained within loan documentation and takes steps to address the issues, in consultation and coordination with deal team including the Relationship Manager, Portfolio Manager Team Lead, internal or external counsel and Credit approval team. 4. Provide oversight of credit relationship/project performance and monitoring activity to include overall portfolio management and understanding of current industry and market trends. Accountable for and manage assigned portfolio by monitoring performance and trends in coordination with Analysts and Associates. 5. Serve as secondary point of client contact including internal point of contact for assigned portfolio. This may include site visits and/or visits with client management team to understand strategy, relationship, and financial reporting. 6. Facilitate strong communication and collaboration across servicing and functional teams internally to maintain executional excellence through origination, closing, and servicing processes. 7. Decision and approve non-material Borrower requests, loan amendments or modifications, client requests requiring Bank approval, annual reviews, risk ratings, and renewals within authority levels or as appropriate based on experience level in coordination with Portfolio Manager Team Lead. 8. Provide guidance and oversight support to Analysts and Associates working on highly complex transactions which include, among others, left lead mandates, secured and unsecured loan structures, bridge loans, value-add, capital call facilities, and construction lending. This includes the analysis of financial statements/projections and documenting client performance, along with identifying risk and risk mitigants of the most complex credits. 9. Ensure all Credit Process Metrics are within prescribed tolerances. Accountable for the risk evaluation and associated compliance requirements within assigned portfolio and for prospects. Identifies issues and follows through for remediation by guiding Associate and Analyst follow up. 10. Responsible for leading credit presentation preparation and discussions with Credit Officer and other final approvers in collaboration with the Relationship Manager and Associates/Analysts. 1 1. Mentor and coach development of Associates and Analysts

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 an 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

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; high level Excel modeling and analysis tools, including expertise in use of 3rd party Real Estate Data Sources (CoStar, REIS, Axiometrics) and interpretation of output.
Experience within the commercial real estate industry and loan servicing operations including, left lead mandates, syndications, secured and unsecured loan structures, bridge loans, value-add, capital call facilities, and construction lending on a national basis
Familiarity with loan documentation, intercreditor agreements, covenants, Corporate Accounting and financial statement reporting including analysis of financial statements
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 commercial associate program or equivalent experience; Master's degree in Accounting, Real Estate Finance, MBA or related field or an equivalent combination of educational and experience or other related advanced degree.

Responsibilities

Lead and coordinate the due diligence and underwriting documentation of the most complex and larger credit relationships; lead credit presentation preparation and discussion with Credit Officer and other final approvers, and coordinate legal documentation efforts through closing and booking.
Responsible for review and oversight prior to submission of due diligence, structuring, and credit underwriting on new money, renewals and reviews.
Ensure loan documents are in accordance with approval documents. Identifies potential issues contained within loan documents and takes steps to address the issues, in consultation and coordination with deal team including the Relationship Manager, Portfolio Manager Team Lead, internal or external counsel and Credit approval team.
Provide oversight of credit relationship/project performance and monitoring activity to include overall portfolio management and understanding of current industry and market trends. Accountable for and manage assigned portfolio by monitoring performance and trends in coordination with Analysts and Associates.
Serve as secondary point of client contact including internal point of contact for assigned portfolio. This may include site visits and/or visits with client management team to understand strategy, relationship, and financial reporting.
Facilitate strong communication and collaboration across servicing and functional teams internally to maintain executional excellence through origination, closing, and servicing processes.
Decision and approve non-material Borrower requests, loan amendments or modifications, client requests requiring Bank approval, annual reviews, risk ratings, and renewals within authority levels or as appropriate based on experience level in coordination with Portfolio Manager Team Lead.
Provide guidance and oversight support to Analysts and Associates working on highly complex transactions which include, among others, left lead mandates, secured and unsecured loan structures, bridge loans, value-add, capital call facilities, and construction lending. This includes the analysis of financial statements/projections and documenting client performance, along with identifying risk and risk mitigants of the most complex credits.
Ensure all Credit Process Metrics are within prescribed tolerances. Accountable for the risk evaluation and associated compliance requirements within assigned portfolio and for prospects. Identifies issues and follows through for remediation by guiding Associate and Analyst follow up.
Responsible for leading credit presentation preparation and discussions with Credit Officer and other final approvers in collaboration with the Relationship Manager and Associates/Analysts.
Mentor and coach development of Associates and Analysts