Associate – Middle Market Credit Delivery

Role Overview

• Facilitates the diligence and underwriting documentation of complex and larger credit relationships; supports credit presentation preparation and discussions with Credit Officer and other final approvers and helps coordinates legal documentation efforts through closing and funding phase
• Ensures loan agreement is in accordance with approval documents. Identifies potential issues contained within loan documentation and takes steps to address the issues, in consultation with Relationship Manager
• Analyzes financial statements/projections and documents client performance, along with identified risk and risk mitigants of most complex credits
• Ensures all Credit Process Metrics are within prescribed tolerances. Accountable for the risk evaluation and associated compliance requirements within assigned portfolio and for prospects. Identifies issues and follows through for remediation
• Serves as a client and internal point of contact in managing assigned portfolio. (May include site visit and/or visit with client management team)
• Supports and mentors Credit Delivery Analysts and other Associates.

Requirements

• Bachelor’s degree in Finance, Accounting, Economics, Business, or a related discipline, or an equivalent combination of education and work experience
• 2–4+ years of experience in Commercial, Corporate, Leveraged, and/or Investment Banking or a related credit-focused environment, supporting underwriting and transaction execution
• Strong verbal and written communication skills, with the ability to clearly document credit analyses, risks, and recommendations for internal stakeholders
• Proficient use of Microsoft Office and related financial analysis tools to prepare, analyze, and present credit materials
• Demonstrated analytical and problem-solving skills, including the ability to identify key credit risks and understand appropriate mitigants
• Working knowledge of asset-reliant (OORE, ABL-lite, balance-sheet dependent) and cash flow / enterprise value–reliant credit structures
• Ability to manage multiple priorities and deliver high-quality work under time constraints
• Demonstrated success working in a collaborative team environment, including effective partnership with Analysts, Relationship Managers, and Credit partners
• Solid proficiency in Microsoft Excel and PowerPoint, including financial modeling, data analysis

Benefits

• Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment
• Tax-preferred savings accounts
• 401k plan
• 10 days of vacation (prorated based on date of hire and by full-time or part-time status)
• 10 sick days (also prorated)
• Paid holidays
• 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.