Senior Portfolio Manager - Wholesale Credit Delivery

About the role

Underwrites credit exposure for the most complex and largest credit relationships and circumstances and actively manages a Middle Market Banking portfolio. Includes day‑to‑day client interaction, managing portfolio risk and adhering to all regulatory and compliance guidelines. A critical component of this role is early identification of emerging credit problems and industry trends.

Employment type: Regular | Language: English (required) | Work shift: 1st shift (United States) | Locations: Dallas, Houston, Austin, San Antonio

Responsibilities

• Lead the entire commercial underwriting process, underwriting, structuring, and documenting all prospect and client transactions; independently run the most complex deals (PEG‑owned, leveraged clients) and largest credit relationships.
• Provide in‑depth analysis of financial statements, projections, and business plans; identify and mitigate key risks; recommend and model appropriate loan structures while maintaining expertise in ancillary products and legal documentation; ensure risk evaluation and regulatory compliance.
• Accountable for managing an assigned portfolio by monitoring performance and trends, defining client credit solutions, identifying issues, and driving remediation; maintain risk‑rating integrity, conduct annual reviews, spread financial statements, and perform compliance and regulatory reviews; manage all amendments and waivers.
• Expand client relationships through consistent, direct client‑calling efforts; apply credit policy, pricing, and structure to develop solutions that meet client needs and the bank’s risk acceptance criteria.
• Partner closely with Investment Banking peers to deliver complex financing solutions; maintain extensive knowledge of corporate, investment, and commercial banking products, market trends, and business drivers; articulate industry trends and share insights across the portfolio management organization.
• Manage deal‑team tasks by utilizing Associates and Analysts; mentor and coach junior portfolio managers, associates, and analysts, including conducting annual performance reviews.
• Provide independent, forward‑looking risk views and author risk recommendations (rating, compliance, underwriting) for final approval by the ultimate risk approval officer.
• Handle a large portfolio of complex/levered clients and take a leadership role in initiatives that benefit the broader portfolio management platform.
• Deliver solid credit and underwriting analyses and risk‑rating recommendations, addressing both credit and operational risk drivers.

Qualifications

Required

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

Preferred

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

Benefits

• Medical, dental, and vision insurance.
• Life insurance, disability coverage, and accidental death & dismemberment protection.
• 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 position and division.