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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in credit analysis and underwriting for complex Dealer Services relationships, with a strong focus on risk evaluation, regulatory compliance, and client relationship management. Proficient in financial statement analysis and developing tailored credit solutions aligned with client needs.
Highest-signal resume keywords
Credit AnalysisRisk EvaluationFinancial Statement AnalysisClient Relationship ManagementRegulatory Compliance
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit UnderwritingFinancial AnalysisLoan StructuringRisk MitigationPortfolio ManagementCredit Solutions DevelopmentRegulatory ReviewMarket Trend AnalysisBusiness Plan AnalysisIndustry Dynamics Analysis
Soft Skills
Interpersonal SkillsWritten CommunicationVerbal CommunicationAttention to DetailMultitasking
Tools & Technologies
MS OfficeCOMPASSMRASalesforce.comNCino
Industry Keywords
Dealer ServicesCommercial BankingInvestment BankingCredit RelationshipsFinancial Institution
Tech Stack
Tools & technologiesSFDC
About the role
Key responsibilities & impact- Underwrite credit exposure for the most complex and largest Dealer Services relationships
- Actively manage an assigned portfolio of Dealer Services relationships
- Lead the complete commercial underwriting process internally and externally with prospects and clients
- Underwrite, structure, and document prospect and client transactions
- Independently manage complex deals and the largest credit relationships
- Analyze company performance, industry and competitive dynamics, and macroeconomic events affecting creditworthiness
- Perform in-depth analysis of financial statements, projections, and business plans
- Identify and mitigate key risks
- Recommend and model appropriate loan structures
- Maintain expertise in ancillary products and assess legal documentation impacts and negotiations
- Ensure risk evaluation and regulatory compliance
- Monitor portfolio performance and trends
- Define client credit solutions, identify issues, and follow through on remediation
- Maintain risk-rating integrity, conduct annual reviews, spread financial statements, and complete compliance and regulatory reviews
- Manage amendments and waivers in the assigned portfolio
- Expand client relationships through consistent, direct client calling
- Develop solutions aligned with client needs and the Bank’s risk acceptance criteria
- Partner with Investment Banking peers to deliver complex financing solutions
- Maintain and share knowledge of corporate, investment, and commercial banking solutions, market trends, and business drivers
- Manage assigned Associates and Analysts
- Mentor and coach junior portfolio managers, Associates, and Analysts
- Provide independent, current, and forward-looking risk views and recommendations
- Handle a large portfolio of complex and leveraged clients
- Lead activities benefiting the Portfolio Management platform
Requirements
What you’ll need- Bachelor’s Degree in Finance or related field
- 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
- Solid written and verbal communication skills
- Sound credit skills
- Strong attention to detail
- Ability to prioritize workflow and multitask in a fast-paced environment
- English language fluency required
- Industry or sub-sector expertise preferred
- Experience successfully holding a similar role with a commercial financial institution or like experience preferred
- Mastery of Truist Bank operating systems, including COMPASS, MRA, Salesforce.com, and nCino, preferred
Benefits
Comp & perks- 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
- Defined benefit pension plan, depending on position and division
- Restricted stock units, depending on position and division
- Deferred compensation plan, depending on position and division