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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 Dealer Services, with a strong focus on risk evaluation, regulatory compliance, and client relationship management. Proficient in financial statement analysis and developing tailored credit solutions that align with the bank's risk acceptance criteria.
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 Management
Soft Skills
Interpersonal SkillsWritten CommunicationVerbal CommunicationAttention to DetailMulti-tasking
Tools & Technologies
MS OfficeCOMPASSMRASalesforce.comNCino
Industry Keywords
Commercial BankingDealer ServicesCredit ExposureMarket TrendsBusiness Drivers
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
- 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
- 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 the bank’s ancillary products, including legal documentation impact and negotiation
- Ensure risk evaluation and associated regulatory compliance
- Monitor portfolio performance and trends
- Define client credit solutions, identify issues, and follow through on remediation
- Manage risk ratings, annual reviews, financial statement spreading, compliance, and regulatory reviews
- Manage amendments and waivers in the assigned portfolio
- Expand client relationships through consistent, direct client calling
- 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
- 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 PMs, Associates, and Analysts
- Provide independent current and forward-looking risk views and author risk recommendations
Requirements
What you’ll need- Bachelor’s Degree in Finance or related field and 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
- Sound credit skills
- Strong attention to detail
- Ability to prioritize workflow and multi-task in a fast-paced environment
- 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 (preferred)
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 (prorated)
- 10 sick days during the first year (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)