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Truist CIB Credit Delivery Associate in Houston, Texas

Req ID: R0064108

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Regular or Temporary:


Language Fluency: English (Required)

Work Shift:

1st shift (United States of America)

Please review the following job description:

The Credit Delivery teams underwrite credit products to new and existing clients and actively manage the existing portfolio in order to meet client needs while also ensuring appropriate risk/return strategies. The group underwrites lead and non-lead opportunities that span from investment grade to sponsor-owned, leveraged transactions and executes amendments, refinancings and ancillary credit product approvals. Responsible for ongoing client dialogue, including product partner opportunity identification where appropriate. Actively manages portfolio risk through risk rating integrity, annual client reviews, watchlist management, and amendments/waivers, as well as executing compliance, audit and regulatory guidelines and reviews. The group will also be responsible for early identification of emerging credit problems and industry trends in order to initiate risk mitigation actions and ensure appropriate capital allocation.

Essential Duties and Responsibilities

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. Manages, coordinates and executes credit event processes (underwritings, refinancings and/or amendments) within own portfolio and as needed across the team. Together with Director/VP level or Team Leader support, conducts due diligence, obtains credit approval and facilitates legal review for transactions.

  2. Creates and utilizes analytical financial models, including financial projections, discounted cash flow analysis, leveraged buyout analysis, valuation analysis, and financial analysis of historical and projected cash flows.

  3. Performs research and analysis on companies, industries and transactions in support of both client activities and risk mitigation strategies.

  4. Begins to independently manage a smaller portfolio of clients with oversight from Team Leaders, primarily consisting of participations and investment-grade clients.

  5. Achieves timely submission of annual reviews, underwritings and amendments to allow for sufficient review and decision by applicable approval authority.

  6. Maintains active ownership and timely processing of quarterly risk ratings within own portfolio and as needed across the team.

  7. Demonstrates leadership through the management of various projects and requests specific to assigned practice groups.

  8. Associates will be expected to handle a smaller client load representing primarily participations and investment grade credits while supporting Director/VP level PMs in the underwriting and portfolio management of more complex transactions.

  9. Consistently trains and mentors Analysts and Summer Interns, and is actively involved in recruiting.

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. Undergraduate degree

  2. 3 years of experience in underwriting and portfolio management.

  3. Strong understanding of accounting, credit, financial modeling, structuring and underwriting.

  4. Strong verbal and written communication, organizational, analytical, critical thinking and problem solving skills.

  5. Licenses: Series 79; Series 63; SIE.

Preferred Qualifications

  1. Undergraduate degree with coursework in accounting or finance preferred.

  2. Experience training and mentoring Analysts.


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