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Regular or Temporary:

Language Fluency:  English (Required)

Work Shift:

Please review the following job description:

Reporting to the team lead, primarily provides analytical support assigned to Dealer Services Portfolio Managers including analyzing financial statements and projections, utilizing financial models and applications, and developing and participating in credit presentations and participating in credit underwriting and structuring.  May participate in client support, as appropriate. Is developing a working knowledge of company’s product suite. Performs tasks and assignments under direct supervision. Monitors performance and trends, proactively defining client credit solutions, identifying issues and developing remediation, underwriting and approving credit as designated by Portfolio Manager.

Essential Duties:

Following is a summary of the essential functions for this job.  Other duties may be performed, both major and minor, which are not mentioned below.  Specific activities may change from time to time.  

1. As a part of the deal team, responsible for authoring annual reviews and assisting in the development of credit underwriting thesis of new and existing transactions. Prepares the nCino packages and is responsible for coordination of spreading financial statements and risk ratings. 50%
2. Works with Portfolio Manager to build financial models based on client profile, industry dynamics, cost pressures, etc. related to deal in order to assess financial wherewithal to repay. 20%
3. Initiates risk view and translation into risk rating models to reflect risk in deal in terms of probability of default/loss given default across the risk spectrum. 10%
4. Conducts industry specific research and analysis is support of client support activities such as client presentation development and term sheets. 10%
5. Responsible for completing regulatory and compliance activities and data accuracy in the portfolio. 10%
6. Span of Control (include # direct reports): Span of control includes no direct reports, but encompasses regular communication with Portfolio Management teammates, Relationship Managers, Credit Risk Managers, Credit Review partners, Clients, Technology, and other internal and external audit and examiner functions.
7. Decision-Making and Autonomy: Teammates in this role author independent risk recommendations including, but not limited to; risk rating, compliance, underwriting, which are reviewed and coaching provided as needed. Depending on the level of the deal, the recommendation is finally approved by ultimate risk approval officer.
8. Problem Complexity: Moderate
9. Leadership / Influencing / Negotiating / Persuading: Yes, teammates in this position are required to develop an independent point of view and provide recommendations to appropriate decision makers.
10. Project or Program Management:  Yes. This position runs ad hoc projects generally associated with regulatory, risk, and compliance issues.
11. Nature and Area of Impact, including Risk: This position could impact/touch all elements of risk faced by the Bank.  Key risk drivers are credit and operational.

Required Qualifications:
The requirements listed below are representative of the knowledge, skill and/or ability required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

1. Bachelor’s Degree in Finance or Economics 
2. Strong analytical skills and attention to detail. Strong work ethic and competitive drive. Solid leadership and interpersonal skills. Strong written and oral communication skills. Strong organizational and time management skills. Intermediate PC skills including standard Microsoft Office products and database applications.
3. Proficiency with Truist systems and processes

Preferred Qualifications:
1. General understanding of accounting

#Atlanta #Orlando #Tampa

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.

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