Structured Lending Advisor I/II

Regular, full-time position. Fluency in English required. 1st shift.

About the role

The Structured Lending Advisor is a geographically or segment-based, client-facing role, partnering directly with Wealth Advisors to recommend highly customized, complex credit strategies to meet the needs of high net worth and ultra-high net worth clients and prospects. The Structured Lending Advisor is an active member of the client relationship team, providing loan structure and credit advisory solutions while ensuring a seamless end-to-end experience for wealth clients and prospects.

Structured Lending Advisors are responsible for achieving credit portfolio growth and meeting loan profitability goals for supported markets. They handle the most complex wealth borrowing structures and credit facilities, targeting UHNW clients with AUM in excess of $25MM. Borrower credit needs can be in excess of $100MM.

Provide support to the existing Structured Lending Advisor team to facilitate the credit execution process for complex, business-purpose loan transactions. Duties could include drafting deal screening memos for use in early deal discussions, gathering required information for loan origination and underwriting, and managing the deal pipeline for the team to ensure timely delivery of deals on behalf of clients and the bank.

Responsibilities

• Facilitate the deal life cycle from deal proposal to loan closing.
• Serve as the first point of contact for Wealth Advisors and internal deal fulfillment partners.
• Escalate backlogs and issues as needed to move the transaction along the deal life cycle.
• Build relationships as an active and engaged member of an advisor team, focusing on delivering planning-based loan solutions to wealth clients.
• Structure highly customized, complex loan structures for clients and prospects within Truist’s prescribed credit risk appetite, procedures, and other regulatory requirements. Credit requests may involve a variety of ownership structures and deal complexity, including both owner-occupied and investor-owned commercial real estate, yacht/airplane financing, concentrated stock/highly structured securities-backed, and unsecured facilities.
• Drive new business generation and manage the credit pipeline for all new and increased loan requests.
• Balance risk-reward expectations to meet client needs and the revenue and asset quality expectations of the bank.
• Prepare deal sheet memoranda for business-purpose (i.e., wholesale) loan requests, identifying loan structure, financial document analysis/overview, probability model with rate recommendation, and risk mitigates.
• Partner effectively with the credit portfolio team, credit risk management, in-house/external counsel, compliance, and other cross-functional partners to support the timely delivery of credit processes to market partners and clients.
• Maintain a strong understanding of industry trends, including knowledge of competitors and loan market dynamics. Typical competitors include Goldman Sachs, Bank of America, and J.P. Morgan.
• Act as a credit market ambassador for assigned regions, building credit solution awareness and actively coaching the market on profitability, credit policies, and procedures.
• Ensure lending solutions are a core component of the Truist Wealth value proposition across all target client segments.
• Actively identify gaps in the credit process and stay abreast of industry and market changes to improve credit solutions and client experience.

Requirements

• Bachelor’s degree in a business-related field, or equivalent education and training.
• Five years of training and experience related to a Lending Advisor role.
• Experience evaluating a client’s financial statements and overall profile to structure complex, custom credits that are part of a client’s overall financial plan.
• Familiarity with complex client entity structures, commercial lending products, and/or complex, custom cash-flow-based wealth lending solutions.
• Excellent oral and written communication skills.
• Strong client relationship skills and demonstrated ability to work with a team.

Preferred Qualifications

• Advanced degree or related industry designation (CFA, CFP, etc.).
• Completion of a formal bank credit training program from a well-respected financial institution.
• Knowledge of relevant legal, regulatory, and compliance issues.
• Solid legal and loan structuring fundamentals.
• Ability to operate independently with minimal supervision.
• Ability to manage multiple deals simultaneously and work with different constituents depending on deal stage.
• Strong organizational skills.
• Strong decision-making skills and ability to balance business development and risk mitigation.
• Strong negotiation and persuasion skills during external interactions with clients/prospects and internally with Relationship Management partners and Credit Risk Management.
• Knowledge of financial markets, products, and related transactions.

Benefits

All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may vary by division. Truist offers:

• Medical, dental, and vision insurance.
• Life insurance, disability, and accidental death and dismemberment coverage.
• Tax-preferred savings accounts and a 401k plan.
• No less than 10 days of vacation (prorated based on date of hire and full-time or part-time status) during the first year of employment, along with 10 sick days and paid holidays.
• Depending on the position and division, eligibility for a defined benefit pension plan, restricted stock units, and/or a deferred compensation plan.