Team Leader - Wholesale Credit Delivery

About the role

Responsible for leading a team of assigned Underwriting & Portfolio Management teammates to deliver quality credit analysis and underwritings of credit transactions. Responsible for teams that manage the most complex and largest credit relationships and circumstances. Portfolios could entail clients with capital markets and specialized industry needs as well as specialty structural considerations. This is a player-coach role with responsibility for maintaining and managing a portfolio of client relationships in addition to team leadership responsibilities. The role is expected to balance direct portfolio management activities with leadership, coaching, and oversight of the assigned underwriting and portfolio management team.

Responsibilities

• Leads the day-to-day operation of the designated team, focused on consistent execution of the credit process, related activities and behaviors.
• Assumes overall responsibility for all underwriting and portfolio management results within the team, including strategic decision making around structure of the team, hiring and recruiting, training need and development, system enhancements, etc.
• Responsible for executing strategic changes.
• Actively participates in, and may lead, action forces, projects, etc. aimed at improving efficiency and effectiveness of the portfolio management organization.
• Ensures the development and retention of engaged, industry leading teammates who are building critical skillsets to meet PM role expectations through regular 1x1 conversations, training, coaching and mentoring as well as inspection.
• Demonstrates leadership in developing and enhancing strong partnerships with key stakeholders across the organization.
• Supports revenue and return growth objectives through strong partnership and communication in the identification, screening, prioritization and consistent underwriting of opportunities.
• Oversees all underwriting activity in the portfolio and influences client acquisition decision by actively participating in screen meetings.
• Brings expertise to transactions.
• Actively manages pipeline for new and renewing opportunities, workflow and issue resolution, keeping all stakeholders proactively informed to ensure expected timelines are met.
• Maintains a portfolio of client relationships and serves as the primary Credit Delivery partner on assigned relationships, providing credit expertise, transaction structuring guidance, portfolio oversight, and risk management leadership.
• Balances individual portfolio responsibilities with team leadership, coaching, talent development, and execution of team objectives.
• Serves as Subject Matter Expert: partners closely with Investment Banking peers to ensure effective delivery of complex financing solutions to CCB client 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.
• Owns the Capital Management meetings.
• Has an extensive and thorough knowledge of the group’s portfolio as well as industry/market and is the primary point person for providing updates and guidance on issues and trends.
• Works closely with RPs and CRMs in proactively managing the portfolio and identifying industry trends.
• Manages all internal and external portfolio reviews – Credit Review, Internal Audit, SNC, and FRB exams.
• Ensures on-time performance of portfolio management practices, such as annual reviews, financial spreads, compliance reviews.

Qualifications

• Bachelor’s Degree or an equivalent combination of education and experience.
• 10+ years of experience in underwriting, portfolio administration, commercial loan credit decision making.
• 3 years of previous management experience.
• Subject Matter Expert level understanding of accounting and finance, financial statement and cash flow analysis.
• Mastery level proficiency with MS Office Desktop applications.
• Strong interpersonal skills and solid written/verbal communication are essential.

Preferred Qualifications

• Management/Leadership experience in Commercial Banking portfolio management.
• Mastery of Truist Bank operating systems inclusive of COMPASS and other Commercial applications (i.e. MRA, salesforce.com, nCino).
• Demonstrated expertise in Government Entity finance, including experience underwriting, structuring, and managing credit relationships involving state and local governments, public sector entities, essential-purpose financings, and related governmental credit structures.

Span of Control and Autonomy

• Span of Control: generally includes 10–17 direct reports.
• Partners and interaction points: Line of Business, Credit Risk, Credit Risk Review, Clients, Technology, Compliance, etc.
• Decision-Making and Autonomy: PMTL has high degree of autonomy in decisions; has oversight and accountability for all activities within team.
• Problem Complexity: Very complex.
• Leadership / Influencing / Negotiating / Persuading: Yes, teammates in this position are required to exercise an independent point of view and provide recommendations to appropriate decision makers.
• Project or Program Management: Yes. This position runs ad hoc projects generally associated with regulatory, risk, and compliance issues.
• Nature and Area of Impact, including Risk: Yes, teammates in this position are required to execute with an independent point of view, make decisions, and provide recommendations as appropriate.