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Truist Commercial Banking Underwriter Portfolio Manager II - Sarasota, FL in Sarasota, Florida

Req ID: R0035515

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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:

Underwrites credit exposure for less complex credit relationships and circumstances and actively manages a Middle Market, CRE or CML portfolio. Includes day-to-day client interaction, managing portfolio risk and adheres to all regulatory and compliance guidelines. A critical component of this role is early identification of emerging credit problems and industry trends.

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.

Underwriting:leads the entire commercial underwriting process both internally and sometimes externally with prospects and clients. Underwrites, structures, and documents all prospect and client transactions. Possesses a mastery of client and industry expertise, analyzes individual company performance and the impact of industry and competitive dynamics and macroeconomic events on the creditworthiness of clients and prospects. Provides independent, in-depth analysis of financial statements, projections and business plans; identifies and mitigates key risks. Recommends and models appropriate loan structures and while maintaining expertise around the bank’s suite of ancillary products, including legal documentation impact and negotiation. Is accountable for the risk evaluation and associated regulatory compliance requirements. May require specialized underwriting skills for Commercial and Industrial, Commercial Real Estate, Corporate Banking, Working Capital and other BB&T product offerings 30%Portfolio Management:Accountable for and manages assigned portfolio by monitoring performance and trends, proactively defining client credit solutions, identifying issues and following through for remediation. Responsible for risk rating integrity, annual reviews as well as financial statement spreading, compliance and regulatory review. Manages all amendment and waivers in the assigned portfolio. Is expected to be anticipatory, forward focused, independent, transparent and collaborative in identification, communication, and all aspects of management of risk. 20%Client Interaction:expands client relationships through occasional direct client calling efforts. In conjunction with other internal product partners, applies knowledge of credit policy, pricing and structure to develop solutions that meet the client's needs and the Bank's risk acceptance criteria. 20%Subject Matter Expertise:Partner closely with Investment Banking peers to ensure effective delivery of complex financing solutions to Commercial Clients through industry specific lens; responsible for maintaining extensive level of knowledge of corporate banking, investment banking and commercial banking solutions, in addition to market trends and business drivers.Understands and articulates industry trends, patterns in the economy, and the implications thereof, and proactively shares information across the PM organization. 15%Deal Team Management:Expected to manage these tasks by utilizing assigned Associates and Analysts. Mentors and coaches Associates and Analysts including annual performance review process for Analysts and Associates. 15% Span of Control (include # direct reports): no direct reports, but encompasses regular communication with Clients and Prospects, Portfolio Management teammates, Relationship Managers, Credit Risk Managers, Credit Review partners, Technology, and other internal and external audit and examiner functions. Decision-Making and Autonomy: Teammates in this role are charged with providing independent current and forward looking risk view on clients within the assigned clients/prospects and portfolio. They author independent risk recommendations including, but not limited to; risk rating, compliance, underwriting. The recommendation is finally approved by ultimate risk approval officer. Problem Complexity: Very Complex. Underwriters & Portfolio Manager 2s will be assigned to some of the more complex names and potentially larger portfolios. 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. Expected to mentor all junior talent as well as LOB partners as appropriate. Project or Program Management: Must be able to handle a large portfolio of Middle Market clients in addition to taking a leadership role in activities outside of day-to-day portfolio responsibilities that benefit the PM platform as a whole. Nature and Area of Impact, including Risk: Must deliver solid credit and underwriting analyses and risk rating recommendations. 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.

Bachelor’s Degree in Finance or related field and at least 5+years of related training and experience in commercial credit analysis.Mastery level proficiency with MS Office Desktop applications. Strong interpersonal skills and solid written/verbal communication are essential.Sound credit skills essential. Must have strong attention to detail.Ability to prioritize workflow and multi-task in a fast-paced environment.Click to enter text.

Preferred Qualifications:

Has successfully held similar role with commercial financial institution or like experience. Industry or sub-sector expertise. Mastery of Truist Bank operating systems inclusive of COMPASS and other Commercial applications (i.e. MRA,, nCino

Other Job Requirements / Working Conditions

Sitting/Standing/Walking/Bending/Liftingþ Sitting(if checked, indicate frequency)

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☐ Standing(if checked, indicate frequency)

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☐ Lifting(if checked, indicate pounds)

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þ Visual / Audio / Speaking

Able to access and interpret client information received from the computer and able to hear and speak with individuals in person and on the phone.

þ Manual Dexterity / KeyboardingAble to work standard office equipment, including PC keyboard and mouse, copy/fax machines, and printers.þ AvailabilityAble to work all hours scheduled, including overtime as directed by manager/supervisor and required by business need.☐ Travel(Must select one)Choose an item.

Truist supports a diverse workforce and is an Equal Opportunity Employer who does not discriminate against individuals on the basis of race, gender, color, religion, national origin, age, sexual orientation, gender identity, disability, veteran status or other classification protected by law. Drug Free Workplace.

Thank you for your interest in Truist! BB&T and SunTrust have come together in a transformational merger of equals to create Truist, the premier financial organization in the country. You may notice references to our legacy company names, BB&T and SunTrust, in places throughout this site. All such references should be understood to refer to Truist moving forward while we continue to transition to the Truist name.

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Thank you for your interest in Truist! BB&T and SunTrust have come together in a transformational merger of equals to create Truist, the premier financial organization in the country. You may notice references to our legacy company names, BB&T and SunTrust, in places throughout this site. All such references should be understood to refer to Truist moving forward while we continue to transition to the Truist name.

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