Credit Delivery Portfolio Manager II or Sr. Portfolio Manager

Overview

Company: Truist Financial

Location: Charlotte, NC

Employment Type: Full Time

Date Posted: 02/03/2026

Job Categories: Banking, Finance/Economics, Information Technology

Language Fluency: English (Required)

Work Shift: 1st shift (United States of America)

• Underwrite loan transactions and complete all required financial and other due diligence to make recommendations for new business-purpose (wholesale) credit requests.
• Proactively manage an assigned portfolio of credit relationships with an average portfolio size of over $500MM for Truist Wealth Advisory customers (e.g., Medical Practices, Law Firms).
  • Handle loan requests above $10MM, with some requests in excess of $100MM.
  • Structure loan terms, covenants, and pricing; negotiate legal documents.
  • Coordinate with relationship management, cross-functional partners, and Credit Risk Management.
• Support client needs, participate in client presentations when appropriate, and research/qualify credit prospects.
• Understand industry-specific client structures and customized credit facility structuring and related risks.
• Manage end-to-end credit delivery, including due diligence, underwriting, and loan closing processes.
• Engage with clients and prospects to understand financial profiles and discuss credit opportunities; manage expectations throughout the process.
• Monitor portfolio performance and trends, identify issues early, and drive remediation as needed.
• Coordinate credit and loan portfolio administration activities (renewals, modifications, annual credit reviews, covenant compliance, and collateral monitoring).
• Provide technical assistance and coaching to junior Credit Portfolio Managers; conduct industry/market research for complex portfolios.

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.

• Independently structure loan terms, covenants, and pricing for the wealth portfolio; handle large and complex wholesale loan requests and borrower relationships.
• Analyze financial statements, tax returns, borrowing bases, appraisals, and other due diligence items; identify risks and propose mitigants or alternative loan structures.
• Prepare concise credit packages with borrower overview, financial profile, strengths, risks and mitigants, and recommendations for presentation to credit risk management.
• Negotiate legal documents and participate in the closing process; manage end-to-end credit delivery in partnership with internal/external counsel, loan fulfillment, and loan servicing.
• Maintain proactive client communication to manage expectations and support the advisor team or client directly when appropriate.
• Engage with cross-functional partners to ensure timely credit deliveries and portfolio administration including renewals and periodic reviews.
• Remain informed on industry and regulatory trends and the competitive landscape within wealth and specialty lending sectors.

• Required Qualifications: Bachelors Degree in Accounting, Finance or Business, or equivalent experience. Minimum of seven (7) years in structured wealth lending or large commercial credit solutions. Strong decision-making, negotiation, and client relationship skills. Proficient in financial analysis and ability to balance business development with risk management. Excellent oral and written communication.
• Preferred Qualifications: Formal bank credit training program completion; experience underwriting and monitoring specialty industries (e.g., law firms, medical practices); strong financial modeling and legal/loan structuring fundamentals.

General Description of Available Benefits for Eligible Employees of Truist Financial Corporation: Regular teammates (not temporary or contingent) working 20 hours or more per week are eligible for benefits. Benefits include medical, dental, vision, life insurance, disability, AD&D, tax-advantaged savings accounts, and a 401k plan. Paid time off includes vacation, sick days, and holidays. Specific benefits vary by position and division.

More details are available on the Truist Benefits site. Some roles may be eligible for additional plans such as a defined benefit pension, restricted stock units, or deferred compensation.

Equal Opportunity: 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 protected status. Truist is a Drug Free Workplace. EEO laws apply. EEO is the Law; E-Verify; IER Right to Work.

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Company Name: Truist Financial

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