Wholesale Credit Delivery Analyst I

Truist Financial Corporation • Charlotte, NC

38d

About The Position

The Credit Delivery teams underwrite credit products to new and existing clients and actively manage the existing portfolio in order to meet client needs while also ensuring appropriate risk/return strategies. The group underwrites lead and non-lead opportunities that span from investment grade to sponsor-owned, leveraged transactions and executes amendments, refinancings and ancillary credit product approvals. Responsible for ongoing client dialogue, including product partner opportunity identification where appropriate. Actively manages portfolio risk through risk rating integrity, annual client reviews, watchlist management, and amendments/waivers, as well as executing compliance, audit and regulatory guidelines and reviews. The group is also responsible for early identification of emerging credit problems and industry trends in order to initiate risk mitigation actions and ensure appropriate capital allocation. The Wholesale Credit Delivery Analyst position is typically a two-year position. At the end of the two-year period, Analysts may be asked to remain in the role for an additional year. The majority of Credit Delivery Analysts are placed in Atlanta, GA. Those that reside elsewhere may be asked to spend time training in Atlanta.

Requirements

• Undergraduate degree.
• Strong verbal and written communication, organizational, critical thinking and problem solving skills.
• Strong analytical skills and attention to detail.
• Strong work ethic, competitive drive, and time management skills.
• Proficient in Microsoft Word, Excel and PowerPoint.
• Licenses: Series 79; Series 63; SIE.

Nice To Haves

• Undergraduate degree with coursework in accounting or finance preferred.
• 1 year of work experience in a finance/banking environment.

Responsibilities

• Responsible for analysis and underwriting related to transactions, amendments, modifications and other credit products for new and existing clients as part of deal teams.
• Authors and creates credit product approval documents and presentations with an initial recommendation and credit view.
• Creates and utilizes analytical financial models, including financial projections, discounted cash flow analysis, leveraged buyout analysis, valuation analysis, and financial analysis of historical and projected cash flows.
• Performs research and analysis on companies, industries and transactions in support of both client activities and risk mitigation strategies.
• Supports Directors, VPs and Associates in day-to-day management of the portfolio with responsibilities including financial statement spreads, covenant compliance analysis and other activities as directed.
• Works closely with Directors, VPs and Associates in the preparation of on-time and high quality annual reviews, renewals, and amendments. More experienced analysts may be responsible for completing entire annual reviews on assigned clients.
• Maintains active ownership and timely processing of quarterly risk ratings within own portfolio and as needed across the team.

Benefits

• All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position.
• Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates.
• Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays.
• Depending on the position and division, this job may also be eligible for Truist's defined benefit pension plan, restricted stock units, and/or a deferred compensation plan.
• As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Industry: Credit Intermediation and Related Activities
• Number of Employees: 5,001-10,000 employees