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Regular or Temporary:

Language Fluency: English (Required)

Work Shift:

Please review the following job description:

will be onsite at any of the posted locations

ESSENTIAL DUTIES AND RESPONSIBILITIES
Following is a summary of the essential functions for this job. Other duties may be performed both major and minor which are not mentioned below. Specific activities may change from time to time.
1. Manage a highly complex and high-exposure portfolio of SBDS relationships applying advanced credit judgment and strategic oversight to manage elevated risk drive portfolio-level decisioning and address structurally complex distressed or sensitive credits requiring significant coordination and expertise.
2. Prepare and review credit packages modifications renewals and extensions. Ensure all recommendations are complete well-supported and consistent with Truist credit policy and regulatory guidance.
3. Analyze financial statements tax returns and projections to assess repayment capacity global cash flow and collateral adequacy. Identify risk trends and recommend appropriate risk rating adjustments.
4. Partner with Asset Managers and Team Leaders to formulate action plans for criticized and classified assets. Contribute to decision-making on loan workouts deferments and restructures that align with recovery and loss mitigation goals.
5. Ensure all credit actions loan files and system data are complete accurate and compliant with internal policies regulatory requirements and SBA SOPs where applicable.
6. Work closely with SBDS Asset Managers and Servicing teams to support timely resolution strategies maintain credit file integrity and prepare materials for Credit Review Audit or Regulatory examinations.
7. Maintain accurate records of portfolio activity exposure and trends; assist in preparation of management reporting stress testing and forecasting for the SBDS portfolio.
8. Participate in communications with borrowers and guarantors to clarify financial information explain loan terms and facilitate documentation requests when appropriate.
9. Identify opportunities to streamline credit review data accuracy and portfolio monitoring processes within SBDS to improve workflow efficiency and data quality.
10. Demonstrate Truists Purpose Mission and Values through proactive engagement teamwork and accountability in all interactions.
11. Keep abreast of changing Bank policy and procedures as well as business and economic developments which impact the loan portfolio and banking in general.

QUALIFICATIONS
Required Qualifications:
The requirements listed below are representative of the knowledge skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
1. Bachelors degree in business finance accounting or a related field or equivalent education and related training.
2. Five to ten years of experience in commercial or small business banking credit analysis or special assets.
3. Strong understanding of commercial credit workout and risk rating frameworks.
4. Demonstrated ability to perform financial and collateral analysis interpret borrower performance and draft sound credit recommendations.
5. Excellent organizational written and verbal communication skills.
6. Demonstrated proficiency in Microsoft Office applications and bank credit systems.
7. Ability to work collaboratively in a fast-paced high-volume environment while maintaining accuracy and attention to detail.

Preferred Qualifications:
1. Experience in criticized/classified or workout portfolio management SBA lending or small business recovery.
2. Familiarity with Truist credit systems (e.g. nCino Credit Lens PAMS AFS).
3. Graduate-level coursework or certification in banking finance or risk management.
4. Demonstrated ability to partner effectively across credit legal and recovery teams to drive results.

General Description of Available Benefits for Eligible Employees of Truist Financial Corporation: 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 be determined by the division of Truist offering the offers medical dental vision life insurance disability accidental death and dismemberment tax-preferred savings accounts and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment along with 10 sick days (also prorated) and paid holidays. For more details on Truists generous benefit plans please visit our Benefits site. Depending on the position and division this job may also be eligible for Truists defined benefit pension plan restricted stock units and/or a deferred compensation plan. As you advance through the hiring process you will also learn more about the specific benefits available for any non-temporary position for which you apply based on full-time or part-time status position and division of work.

Truist is an Equal Opportunity Employer that does not discriminate on the basis of race gender color religion citizenship or national origin age sexual orientation gender identity disability veteran status or other classification protected by law. Truist is a Drug Free Workplace.

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