Wholesale Credit Delivery Senior Portfolio Manager - Dealer Services segment

Truist Bank•Charlotte, NC

2d•Onsite

About The Position

The Senior Portfolio Manager - Dealer Services segment position is responsible for underwriting credit exposure for the most complex and largest relationships and actively managing a portfolio of Dealer Services relationships. This includes day-to-day client interaction, managing portfolio risk, and adhering to all regulatory and compliance guidelines. A critical component of this role is the early identification of emerging credit concerns, sector trends, funding pressures, governance issues, liquidity challenges, and changes in donor, grant, reimbursement, or program revenue patterns.

Requirements

Bachelor’s Degree in Finance or related field and at least 7+ years of related training and experience in commercial/Dealer Services credit analysis.
Mastery level proficiency with MS Office Desktop applications.
Strong interpersonal skills and solid written/verbal communication are essential.
Sound credit skills essential.
Must have strong attention to detail.
Ability to prioritize workflow and multi-task in a fast-paced environment.

Nice To Haves

Has successfully held similar role with commercial financial institution or like experience.
Industry or sub-sector expertise.
Mastery of Truist Bank operating systems inclusive of COMPASS and other Commercial applications (i.e. MRA, salesforce.com, nCino)

Responsibilities

Leads the full underwriting process both internally and externally with prospects and clients.
Underwrites, structures, and documents new and existing transactions for complex nonprofit relationships, including organizations with multiple revenue streams, donor-restricted funds, endowments, capital campaigns, grant funding, government or reimbursement-based revenue, affiliated entities, pledges, and seasonal or event-driven cash flow.
Independently manages the most complex credits and largest relationships by evaluating mission, governance, board oversight, operating model, program performance, fundraising capacity, liquidity, debt service capacity, restricted and unrestricted net assets, cash flow reliability, covenant compliance, collateral support, and long-term financial sustainability.
Recommends and models appropriate loan structures while maintaining expertise around the Bank’s suite of ancillary products, including treasury, deposit, liquidity, investment, and other solutions relevant to clients.
Is accountable for the risk evaluation and associated regulatory compliance requirements.
Accountable for and manages an assigned Dealer Services portfolio by monitoring financial performance trends, proactively defines client credit solutions, identifies emerging issues, and follows through for remediation.
Responsible for risk rating integrity, annual reviews, financial statement spreading, compliance, and regulatory review.
Manages amendments and waivers in the assigned portfolio.
Expands client relationships through consistent and direct calling efforts with nonprofit executives, finance leaders, board representatives, development officers, and other key stakeholders.
Applies knowledge of credit policy, pricing, structure, nonprofit operations, liquidity needs, fundraising cycles, and mission-driven objectives to develop solutions that meet the client’s needs and the Bank’s risk acceptance criteria.
Partners closely with Relationship Managers and internal product specialists to ensure effective delivery of financing and banking solutions to Dealer Services clients through a sector-specific lens.
Maintains extensive knowledge of nonprofit accounting, fund accounting concepts, donor-restricted and unrestricted resources, philanthropic trends, grant and government funding dynamics, endowment and investment considerations, capital campaign financing, governance expectations, and market trends affecting mission-driven organizations.
Understands and articulates sector trends, patterns in the economy, and implications for nonprofit credit risk, and proactively shares information across the Portfolio Management organization.
Manages tasks by utilizing assigned Associates and Analysts.
Mentors and coaches junior Portfolio Managers, Associates, and Analysts on Dealer Services underwriting, portfolio management, financial statement analysis, risk identification, client communication, and deal structuring.
Provides an independent current and forward-looking risk view on assigned Dealer Services clients, prospects, and portfolios.
Authors independent risk recommendations including, but not limited to, risk rating, compliance, underwriting, covenant structure, repayment capacity, liquidity adequacy, and nonprofit sector-specific risk considerations.
Develops an independent point of view and provides recommendations to appropriate decision makers.
Mentors junior talent and line-of-business partners as appropriate, influences deal structure, supports sound risk decisions, and communicates effectively with nonprofit leaders whose objectives may include both financial sustainability and mission impact.
Handles a large portfolio of complex Dealer Services clients while also taking a leadership role in activities outside of day-to-day portfolio responsibilities that benefit the Portfolio Management platform as a whole.
Supports process improvement, policy development, nonprofit sector training, portfolio reporting enhancements, and collaboration across credit delivery, risk, and relationship management teams.
Delivers strong credit and underwriting analysis, clear risk rating recommendations, and effective ongoing portfolio oversight.