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Regular or Temporary:

Regular

Language Fluency: English (Required)

Work Shift:

1st shift (United States of America)

Please review the following job description:

office centric workstyle (4 days onsite-1 day remote) to be filled at any of the posted locations.

Seeking individuals with 7 years commercial credit background or account negotiation (litigation) experience.

Manage and maximize return on a portfolio of Criticized and Classified loans in accordance with Bank policy, procedures and strategic goals.

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 problem loan portfolio consisting of more complex credit structures, potentially including middle market, capital markets, specialized lending and large corporate loans.

2. Negotiate effective repayment plans with borrowers, potentially through legal counsel, that incorporate credit analysis and comply with Bank policy on Troubled Debt Restructures (TDR), accrual status justification, and Loan-to-Value (LTV) guidelines as well as regulatory guidance in order to prevent or mitigate loss to the Bank.

3. Independently complete or participate cooperatively with a PM in underwriting borrowers for renewal/modification or portfolio management purposes in order to justify accrual status, risk rating or adequacy of collateral.

4. Prepare accurate and thorough credit request packages for co-approval or exercise individual loan authority when applicable.

5. Manage relationships with Commercial Fulfillment and outside counsel used in development, drafting, execution and enforcement of documentation needed to achieve workout goals. Work closely with Relationship Managers and outside counsel, when appropriate, to ensure loan closings are completed in an accurate and timely manner.

6. Work effectively with partners such as Commercial Banking Specialists (CBS), Fulfillment Specialist and PM to ensure all client-related documentation and financial analysis are sound and any issues are resolved in an accurate and timely manner.

7. Provide accurate and timely monthly forecasting for non-performing assets and charge-offs.

8. Complete reporting as required for impairment analysis, accrual justification and Criticized Loan Asset Reports.

9. When required, work cooperatively and effectively in a consultative or shadowing role with teammates from other Business Lending Units throughout the Bank in order to assess and mitigate risk.

10. 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. Bachelor's degree in business, finance, or banking or comparable education and related training.

2. A minimum of 7 years commercial banking, loan workout or equivalent experience.

3. Significant experience with more complex credit structures and borrowers, including middle market, capital markets, specialized lending and large corporate credits.

4. Exceptional negotiation, communication, interpersonal, financial analysis and problem solving skills. Ability to deliver messages and interact effectively in a sometimes tense or adversarial environment.

5. Demonstrated proficiency in basic computer applications, such as Microsoft Office software products.

Preferred Qualifications:

1. Master's degree in business administration, finance, or banking.

2. 10 years of experience in commercial banking, loan workout, and/or relationship management.

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 position. Truist 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 Truist’s generous benefit plans, please visit our Benefits site (https://benefits.truist.com/)

. Depending on the position and division, this job may also be eligible for Truist’s 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 supports a diverse workforce and is an Equal Opportunity Employer that does not discriminate against individuals 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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