RECB Credit Delivery Associate III

Job Type Regular Language Fluency English (Required) Work Shift 1st shift (United States of America) Job Description Responsible for the financial analysis, risk assessment and credit structure recommendation for Commercial Real Estate (CRE) clients and prospects. This includes prudent underwriting and effective credit and risk administration with particular emphasis on adherence to credit policy and requirements, financial analysis/modeling, risk evaluation, on-going portfolio maintenance activities, and client support. Collaborates with Relationship Manager to identify credit worthy projects within targeted markets and assists in the prioritization of relationship calling strategies. Supplements analysis with research and evaluations from a wide variety of sources to develop an assessment of client, competitor, property segment, market and industry risks and trends. Essential Duties And Responsibilities Responsible for leading the diligence and underwriting documentation of the most more complex and larger credit relationships; leading credit presentation preparation and discussions with Credit Officer and other final approvers, and coordinating legal documentation efforts through closing and funding phase. Ensure loan agreement is in accordance with approval documents. Identify potential issues contained within loan documentation and take steps to address the issues, in consultation with RM. Analyze financial statements/projections and documents client performance, along with identified risk and risk mitigants of most complex credits. Provide oversight of credit relationship/project performance and monitoring activity to include overall portfolio management and understanding of current industry and market trends. Accountable for and manages assigned portfolio by monitoring performance and trends. Ensure all Credit Process Metrics are within prescribed tolerances. Accountable for the risk evaluation and associated compliance requirements within assigned portfolio and for prospects. Identify issues and follow through for remediation. Manage pipeline of assigned portfolio to ensure that all requests are completed in a timely fashion and to ensure that the Client needs are met. Serve as a client and internal point of contact in managing assigned portfolio. (May include site visit and/or visit with client management team) Serve as source of real estate underwriting knowledge and expertise, which includes understanding of current industry and/or market trends. Mentor and coach Analysts and Associates. Qualifications Required Qualifications Bachelor’s degree in Finance, Accounting, Economics or Business, or an equivalent combination of education and work experience. Possess appropriate Investment Banking licensure including Series 79 (Investment Banking Representative) and Series 63 (Uniform Securities Agent State License) 5+ years of experience in underwriting, portfolio administration or commercial loan credit decision-making Experience in underwriting, structuring and closing direct and syndicated loan transactions (e.g. $25MM to $250MM+) Excellent verbal and written communication skills. Demonstrated proficiency in basic computer applications, such as Microsoft Office software products. Strong analytical and problem-solving skills. Knowledge of credit principles. Ability to handle multiple priorities under time constraints. Demonstrated success working in a collaborative team environment. Preferred Qualifications Graduate of Truist or legacy Development Program MBA in Accounting or Finance or in related field; or an equivalent combination of educational and experience or other related advanced degree. Benefits General Description of Available Benefits for Eligible Employees of Truist Financial Corporation: 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. For more details on Truist’s generous benefit plans, please visit our Benefits site. 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. 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 classification protected by law. Truist is a Drug Free Workplace. EEO is the Law E-Verify IER Right to Work #J-18808-Ljbffr Truist