Truist Financial - Atlanta, GA
posted 4 months ago
The position involves underwriting credit exposure for Hospitals/Healthcare and Higher Education/Not for Profit relationships while actively managing a portfolio in these sectors. The role requires day-to-day client interaction, managing portfolio risk, and adhering to all regulatory and compliance guidelines. A critical aspect of this position is the early identification of emerging credit problems and industry trends, which is essential for maintaining the health of the portfolio. The essential duties include leading the entire commercial underwriting process, which encompasses underwriting, structuring, and documenting all transactions with prospects and clients. The individual will independently handle the most complex deals and largest credit relationships, demonstrating mastery of client and industry expertise. This includes analyzing individual company performance and understanding the impact of industry dynamics and macroeconomic events on creditworthiness. The role also involves providing in-depth analysis of financial statements, projections, and business plans, identifying and mitigating key risks, and recommending appropriate loan structures while ensuring compliance with regulatory requirements. In terms of portfolio management, the individual will be accountable for monitoring performance and trends, proactively defining client credit solutions, and managing all amendments and waivers in the assigned portfolio. The role requires a forward-focused, independent, and collaborative approach to risk management, ensuring risk rating integrity and conducting annual reviews. The position also emphasizes client relationship expansion through consistent direct calling efforts, applying knowledge of credit policy and pricing to develop solutions that meet client needs while adhering to the Bank's risk acceptance criteria. Additionally, the individual will partner closely with Investment Banking peers to deliver complex financing solutions and maintain extensive knowledge of corporate banking, investment banking, and commercial banking solutions, as well as market trends. The role includes managing tasks with the assistance of assigned Associates and Analysts, mentoring junior team members, and participating in the annual performance review process. The individual will be expected to provide independent risk recommendations and manage a large portfolio of complex clients, demonstrating leadership and influencing skills throughout the process.