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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, with a strong focus on managing Dealer Services relationships and adhering to regulatory compliance. Capable of analyzing financial statements and market trends to develop tailored credit solutions while mentoring junior team members.
Highest-signal resume keywords
Credit AnalysisUnderwriting ProcessPortfolio ManagementFinancial Statement AnalysisRegulatory 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 SkillsFinancial AnalysisRisk AssessmentLoan StructuringPortfolio Risk Management
Soft Skills
Interpersonal SkillsWritten CommunicationAttention to DetailMulti-taskingClient Relationship Management
Tools & Technologies
MS OfficeCOMPASSMRASalesforce.comNCino
Industry Keywords
Commercial BankingDealer ServicesInvestment BankingCredit ExposureMarket Trends
Tech Stack
Tools & technologiesSFDC
About the role
Key responsibilities & impact- Underwrite credit exposure for less complex relationships and actively manage a portfolio of Dealer Services relationships
- Conduct day-to-day client interaction and manage portfolio risk
- Adhere to regulatory and compliance guidelines
- Identify emerging credit concerns, sector trends, funding pressures, governance issues, liquidity challenges, and changes in donor, grant, reimbursement, or program revenue patterns
- Lead the entire commercial underwriting process internally and externally with prospects and clients
- Underwrite, structure, and document prospect and client transactions
- Independently run complex deals and largest credit relationships
- Analyze company performance, industry and competitive dynamics, and macroeconomic events affecting creditworthiness
- Provide in-depth analysis of financial statements, projections, and business plans
- Identify and mitigate key risks
- Recommend and model loan structures
- Maintain expertise in the bank’s ancillary products, including legal documentation impact and negotiation
- Manage assigned portfolio by monitoring performance and trends, defining client credit solutions, identifying issues, and following through for remediation
- Maintain risk rating integrity, conduct annual reviews, spread financial statements, and perform compliance and regulatory reviews
- Manage amendments and waivers in the assigned portfolio
- Expand client relationships through consistent and direct client calling efforts
- Develop solutions with internal product partners that meet client needs and the Bank’s risk acceptance criteria
- Partner with Investment Banking peers to deliver complex financing solutions to CCB clients
- Maintain knowledge of corporate banking, investment banking, and commercial banking solutions, market trends, and business drivers
- Share industry and economic trend information across the Portfolio Management organization
- Manage assigned Associates and Analysts
- Mentor and coach junior PMs, Associates, and Analysts
- Participate in annual performance reviews for Analysts and Associates
- Communicate regularly with clients, prospects, portfolio management teammates, relationship managers, credit risk managers, credit review partners, Technology, and audit/examiner functions
- Author independent risk recommendations, including risk rating, compliance, and underwriting recommendations
Requirements
What you’ll need- Bachelor’s Degree in Finance or related field
- At least 5+ 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/verbal communication skills
- Sound credit skills
- Strong attention to detail
- Ability to prioritize workflow and multi-task in a fast-paced environment
- English language fluency required
- Preferred: experience in a similar role with a commercial financial institution or like experience
- Preferred: industry or sub-sector expertise
- Preferred: mastery of Truist Bank operating systems, including COMPASS, MRA, salesforce.com, and nCino
Benefits
Comp & perks- Medical insurance
- Dental insurance
- Vision insurance
- Life insurance
- Disability insurance
- Accidental death and dismemberment coverage
- Tax-preferred savings accounts
- 401k plan
- At least 10 days of vacation during the first year of employment (prorated)
- 10 sick days (prorated)
- 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)