Wholesale Credit Delivery Analyst II

Truist • Atlanta, GA

1d

About The Position

The Wholesale Credit Delivery Analyst II supports financial analysis, risk assessment, credit structuring, underwriting, and credit administration for clients and prospects in Commercial Banking, Commercial Real Estate, and/or Wealth specialty businesses. The role researches and evaluates information from a range of sources to assess client, competitor, property-segment, market, and industry risks and trends. It takes ownership of assigned projects in coordination with a senior Credit Delivery leader and supports and mentors more junior teammates.

The analyst facilitates diligence and underwriting documentation for less complex and smaller credit relationships, supports credit presentations and discussions with Credit Officers and other final approvers, and coordinates legal documentation through closing and funding. The role reviews loan agreements for consistency with approved documents, analyzes financial statements and projections, documents client performance and credit risks and mitigants, and oversees risk evaluation, compliance requirements, and credit process metrics for assigned portfolios and prospects. It may serve as a client and internal point of contact and may include client or site visits.

Requirements

• Bachelor’s degree in Finance, Accounting, Economics, or Business, or an equivalent combination of education and work experience.
• 2–3 years of Commercial Banking, Commercial Real Estate, or Wealth specialty business experience.
• Excellent verbal and written communication skills.
• Proficiency in basic computer applications, such as Microsoft Office software products.
• Strong analytical and problem-solving skills.
• Knowledge of commercial real estate credit delivery principles.
• Ability to handle multiple priorities under time constraints.
• Demonstrated success working in a collaborative team environment.

Nice To Haves

• Master’s degree in Commercial Banking or Real Estate, or another related advanced degree, or an equivalent combination of education and experience.
• Combined Commercial Banking and Commercial Real Estate experience, including through internships or other experiences.
• Two years of experience in a Commercial Banking or Commercial Real Estate Associate Development Program, or equivalent Credit Delivery experience.

Responsibilities

• Facilitate diligence and underwriting documentation for less complex and smaller credit relationships.
• Support credit presentation preparation and discussions with Credit Officers and other final approvers.
• Coordinate legal documentation efforts through closing and funding.
• Ensure loan agreements are consistent with approval documents; identify documentation issues and address them in consultation with the Relationship Manager.
• Analyze financial statements and projections and document client performance, risks, and risk mitigants for less complex credits.
• Ensure Credit Process Metrics remain within prescribed tolerances.
• Manage risk evaluation and associated compliance requirements for assigned portfolios and prospects; identify issues and follow through on remediation.
• Serve as a client and internal point of contact for assigned portfolios, potentially including site visits or visits with client management teams.
• Support and mentor Credit Delivery Analysts.
• Coordinate assigned projects with the senior Credit Delivery leader.

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 as applicable
• 10 sick days, prorated as applicable
• Paid holidays
• May be eligible for a defined benefit pension plan, restricted stock units, and/or a deferred compensation plan, depending on position and division

What This Job Offers

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