Structured Lending Advisor II or III

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 (HNW) and ultra-high net worth (UHNW) clients and prospects. This role 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 assets under management (AUM) in excess of $25 million. Borrower credit needs can exceed $100 million.

Responsibilities

• Facilitate the deal life cycle from 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 transactions 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 solutions within Truist’s prescribed credit risk appetite, procedures, and regulatory requirements. Credit requests may involve a variety of ownership structures and deal complexities, including:
  • 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 (wholesale) loan requests, identifying loan structure, financial document analysis, probability model with rate recommendation, and risk mitigants.
• 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.
• Maintain a strong understanding of industry trends, including knowledge of competitors (e.g., Goldman Sachs, Bank of America, J.P. Morgan) and loan market dynamics.
• 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.
• Seven years of experience in a Lending Advisor role or related field.
• Experience evaluating a client’s financial statements and overall profile to structure complex, custom credits as part of a client’s 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 within a team.
• Strong organizational skills.
• NMLS/Safe Act registration required within a specified period after hire.

Preferred Qualifications

• Advanced degree or related industry designation (e.g., CFA, CFP).
• Completion of a formal bank credit training program from a well-respected financial institution.
• Demonstrated ability to manage HNW and UHNW relationships and their advisors.
• Knowledge of relevant legal, regulatory, and compliance issues.
• Deep credit experience and knowledge.
• Excellent legal and loan structuring fundamentals.
• In-depth knowledge of investment banking and corporate finance transactions, including leveraged credit underwriting.

Benefits

All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits. Eligibility for specific benefits may vary by division.

• 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/part-time status) during the first year of employment, along with 10 sick days and paid holidays.
• Depending on the position and division, may also be eligible for:
  • Defined benefit pension plan
  • Restricted stock units
  • Deferred compensation plan