Senior Portfolio Manager - Wholesale Credit Delivery

Truist · Austin, TX · 1 mo ago

FinanceFull-time

About the Role

Underwrites credit exposure for the most complex and largest credit relationships and actively manages a Middle Market Banking portfolio. The role involves day‑to‑day client interaction, portfolio risk management, adherence to regulatory and compliance guidelines, and early identification of emerging credit problems and industry trends.

Responsibilities

Underwriting: Leads the full commercial underwriting process, structures and documents prospect and client transactions, and independently runs the most complex deals (PEG‑owned and leveraged clients). Provides in‑depth analysis of financial statements, projections, and business plans, identifies and mitigates key risks, and recommends appropriate loan structures while ensuring regulatory compliance.
Portfolio Management: Monitors assigned portfolio performance and trends, defines client credit solutions, ensures risk rating integrity, conducts annual reviews, spreads financial statements, and manages amendments and waivers.
Client Calling Effort: Expands client relationships through consistent direct calling and collaborates with internal product partners to develop solutions that meet client needs and the bank’s risk criteria.
Subject Matter Expertise: Partners with Investment Banking peers to deliver complex financing solutions, maintains extensive knowledge of corporate, investment, and commercial banking products, and shares industry and economic insights across the organization.
Deal Team Management: Utilizes Associates and Analysts, mentors junior team members, and participates in annual performance reviews for analysts and associates.
Decision‑Making & Autonomy: Provides independent risk views, authors risk recommendations (rating, compliance, underwriting) that are approved by the ultimate risk approval officer.
Leadership / Influencing: Develops independent points of view, influences decision makers, and mentors junior talent and line‑of‑business partners.
Project / Program Management: Handles a large, complex leveraged client portfolio while leading initiatives that benefit the broader portfolio management platform.
Nature and Area of Impact: Delivers solid credit and underwriting analyses; key risk drivers are credit and operational.

Qualifications

Bachelor’s degree in Finance or a related field.
7+ years of experience in commercial credit analysis.
Mastery‑level proficiency with Microsoft Office desktop applications.
Strong interpersonal, written, and verbal communication skills.
Sound credit analysis skills and strong attention to detail.
Ability to prioritize workflow and multitask in a fast‑paced environment.

Preferred Qualifications

Successful experience in a similar role at a commercial financial institution.
Industry or sub‑sector expertise.
Mastery of Truist Bank operating systems, including COMPASS, MRA, Salesforce.com, and nCino.

Benefits

All regular teammates (non‑temporary) working 20 hours or more per week are eligible for Truist’s comprehensive benefits, which may include:

Medical, dental, vision, life insurance, disability, and accidental death & dismemberment coverage.
Tax‑preferred savings accounts and a 401(k) plan.
At least 10 days of vacation (prorated) and 10 sick days (prorated) during the first year, plus paid holidays.
Potential eligibility for a defined benefit pension plan, restricted stock units, and/or a deferred compensation plan, depending on division and position.

Schedule