Truist
Senior Portfolio Manager - Wholesale Credit Delivery - Dealer Services segment
Truist, Atlanta, Georgia, United States, 30383
Overview
Senior Portfolio Manager - Wholesale Credit Delivery - Dealer Services segment. Underwrites credit exposure for the most complex and largest credit relationships and actively manages a portfolio within the Dealer Services segment. Includes day-to-day client interaction, managing portfolio risk and adherence to regulatory and compliance guidelines. A critical component of this role is early identification of emerging credit problems and industry trends. Responsibilities
Underwriting: Leads the entire commercial underwriting process both internally and externally with prospects and clients. Underwrites and documents all prospect and client transactions. Analyzes company performance, orders real estate valuations, environmental assessments and UCC searches. Acts as liaison with Commercial Fulfillment and Commercial Sales Assistant (CSA). Provides independent analysis of financial statements and business plans; identifies and mitigates key risks. Recommends and models appropriate loan structures and maintains expertise around the bank’s suite of ancillary products. Accountable for risk evaluation and regulatory compliance requirements. May require specialized underwriting skills for Commercial and Industrial, Commercial Real Estate, Corporate Banking, Working Capital and other Truist product offerings. Portfolio Management: Manages assigned portfolio by monitoring performance and trends, identifying issues and following through for remediation. Maintains risk rating integrity, annual reviews, financial statement spreading, and regulatory compliance. Handles amendments and waivers. Demonstrates anticipatory, forward-focused, independent, transparent and collaborative risk management. Client Calling Effort: Works with internal product partners to develop solutions that meet client needs and risk acceptance criteria. Ensures data integrity of inputs/outputs and updates loan systems information for accuracy. Span of Control: No direct reports; regular communication with Clients, Prospects, Portfolio Management teammates, Relationship Managers, Credit Risk Managers, Credit Review partners, Technology, and audit/examiner functions. Decision-Making and Autonomy: Provides independent risk view and recommendations on clients; risk ratings, compliance and underwriting. Final approval is by the designated risk approval officer. Problem Complexity: Complex; PMs and Underwriters manage significant client exposure. Leadership / Influencing / Negotiating / Persuading: Develop independent viewpoints and provide recommendations to decision makers. Mentors junior talent and LOB partners as appropriate. May lead initiatives outside day-to-day portfolio responsibilities to benefit the PM platform. Delivers solid credit and underwriting analyses and risk rating recommendations; key risk drivers are credit and operational. Qualifications
Required Qualifications
Bachelor’s Degree in Finance or related field and at least 7+ years of related training and experience in commercial credit analysis. Mastery level proficiency with MS Office Desktop applications. Strong interpersonal and written/verbal communication skills; sound credit skills and attention to detail. Ability to prioritize workflow and multi-task in a fast-paced environment. Preferred Qualifications
Has successfully held a similar role with a commercial financial institution or equivalent experience. Dealer Services industry expertise. Mastery of Truist operating systems including COMPASS and other Commercial applications (e.g., MRA, Salesforce.com, nCino). Regular or Temporary:
Regular Language Fluency:
English (Required) Work Shift:
1st shift (United States of America) Benefits:
See company benefits descriptions for eligible employees. All regular teammates working 20 hours or more per week are eligible for benefits, including medical, dental, vision, life, disability, and 401(k). PTO and sick days are prorated based on status. EEO statements and drug-free workplace notices apply. Equal Opportunity Employer:
Truist is an Equal Opportunity Employer that does not discriminate on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status, or other protected classifications. EEO is the Law; E-Verify; Right to Work.
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Senior Portfolio Manager - Wholesale Credit Delivery - Dealer Services segment. Underwrites credit exposure for the most complex and largest credit relationships and actively manages a portfolio within the Dealer Services segment. Includes day-to-day client interaction, managing portfolio risk and adherence to regulatory and compliance guidelines. A critical component of this role is early identification of emerging credit problems and industry trends. Responsibilities
Underwriting: Leads the entire commercial underwriting process both internally and externally with prospects and clients. Underwrites and documents all prospect and client transactions. Analyzes company performance, orders real estate valuations, environmental assessments and UCC searches. Acts as liaison with Commercial Fulfillment and Commercial Sales Assistant (CSA). Provides independent analysis of financial statements and business plans; identifies and mitigates key risks. Recommends and models appropriate loan structures and maintains expertise around the bank’s suite of ancillary products. Accountable for risk evaluation and regulatory compliance requirements. May require specialized underwriting skills for Commercial and Industrial, Commercial Real Estate, Corporate Banking, Working Capital and other Truist product offerings. Portfolio Management: Manages assigned portfolio by monitoring performance and trends, identifying issues and following through for remediation. Maintains risk rating integrity, annual reviews, financial statement spreading, and regulatory compliance. Handles amendments and waivers. Demonstrates anticipatory, forward-focused, independent, transparent and collaborative risk management. Client Calling Effort: Works with internal product partners to develop solutions that meet client needs and risk acceptance criteria. Ensures data integrity of inputs/outputs and updates loan systems information for accuracy. Span of Control: No direct reports; regular communication with Clients, Prospects, Portfolio Management teammates, Relationship Managers, Credit Risk Managers, Credit Review partners, Technology, and audit/examiner functions. Decision-Making and Autonomy: Provides independent risk view and recommendations on clients; risk ratings, compliance and underwriting. Final approval is by the designated risk approval officer. Problem Complexity: Complex; PMs and Underwriters manage significant client exposure. Leadership / Influencing / Negotiating / Persuading: Develop independent viewpoints and provide recommendations to decision makers. Mentors junior talent and LOB partners as appropriate. May lead initiatives outside day-to-day portfolio responsibilities to benefit the PM platform. Delivers solid credit and underwriting analyses and risk rating recommendations; key risk drivers are credit and operational. Qualifications
Required Qualifications
Bachelor’s Degree in Finance or related field and at least 7+ years of related training and experience in commercial credit analysis. Mastery level proficiency with MS Office Desktop applications. Strong interpersonal and written/verbal communication skills; sound credit skills and attention to detail. Ability to prioritize workflow and multi-task in a fast-paced environment. Preferred Qualifications
Has successfully held a similar role with a commercial financial institution or equivalent experience. Dealer Services industry expertise. Mastery of Truist operating systems including COMPASS and other Commercial applications (e.g., MRA, Salesforce.com, nCino). Regular or Temporary:
Regular Language Fluency:
English (Required) Work Shift:
1st shift (United States of America) Benefits:
See company benefits descriptions for eligible employees. All regular teammates working 20 hours or more per week are eligible for benefits, including medical, dental, vision, life, disability, and 401(k). PTO and sick days are prorated based on status. EEO statements and drug-free workplace notices apply. Equal Opportunity Employer:
Truist is an Equal Opportunity Employer that does not discriminate on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status, or other protected classifications. EEO is the Law; E-Verify; Right to Work.
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