Job Details

Community Bank Credit Risk Management

Assists with the day-to-day management of relationships with TSRE less than $5MM as the first line of defense for the Community Bank's credit risk organization and assisting with the renewal process, including collecting information need for the renewal and proper loan structuring; providing ongoing credit servicing; portfolio monitoring; and problem loan identification within the Synovus risk framework. Assists Community Banking partners with the day-to-day management of existing commercial customer portfolios to include monitoring existing credits for issues or concerns, performing financial calculations to support ongoing risk management, facilitating the credit renewal process, and assisting with new credit requests. Serves as an additional or primary point of customer contact, maintaining a high level of responsiveness for existing credit facilities.

Job Duties and Responsibilities

• Responsible for the ongoing credit servicing, portfolio management, problem loan identification, and remediation activities within the Community Bank for relationships with TSRE less than $5MM. Manages the renewal process in order to assist bankers. Assesses credit issues, performance and industry trends, appropriateness of structural terms and conditions and provides recommendations to improve structure and mitigate risks for renewals. Works closely with the Senior Manager to ensure proper implementation of policies, procedures, strategies, and process changes
• Monitors existing credit on a daily basis for issues or concerns and conducts monthly, quarterly, and annual credit reviews as required.
• Reviews status of current accounts to include, but not limited to, past due accounts, maturities, and renewals. Notifies community banker on these matters and interacts with the customer where necessary.
• Performs ongoing reviews of client performance, including industry research and peer comparisons, and initiates discussions with community bankers to ensure customers' positive operating performance and ability to meet their obligations. Notifies community bankers immediately of any deterioration in operating performance.
• Supports community bankers in working with large and/or complex Community Banking customers to handle existing and proposed credit requests, providing a high level of customer service support, with an emphasis on obtaining and retaining high income customers.
• Works with community bankers, agent bank officers, and bank attorney on the loan documentation and closing process for new large, complex credit facilities. Interfaces with the administration operations officer on the booking of new deals, setting up appropriate loan monitoring procedures, and ensuring proper set up on the loan systems for accurate ongoing monitoring.
• Ensures all transactions and processing are in compliance with regulatory and company guidelines, policies and procedures.
• Conducts review and maintenance of monitoring reports and uploading of pertinent approval documentation to ensure that loan information is in place to facilitate internal loan and regulatory review.
• Assists in cross selling efforts and performs special projects related to individual portfolio dynamics or projects for the department manager.
• Assists in the training and development of Community Banker Associate team members, and provides guidance and counsel to Community Portfolio Managers I as part of their ongoing growth.
• Each team member is expected to be aware of risk within their functional area. This includes observing all policies, procedures, laws, regulations and risk limits specific to their role. Additionally, they should raise and report known or suspected violations to the appropriate Company authority in a timely fashion.
• Performs other related duties as required.

The information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.

Synovus is an equal opportunity employer committed to fostering an inclusive work environment.

Minimum Education:

• Bachelor's Degree in Finance, Accounting, Business Administration or related discipline, or an equivalent combination of education and experience

Minimum Experience:

• Two (2) years experience as a Portfolio Manager I, or three (3) years of credit analysis or commercial banking experience

Required Knowledge, Skills, & Abilities:

• Proficient with Microsoft Word, Excel, and PowerPoint, including Excel modeling and Moody's statement models
• Strong oral and written communication skills
• Strong customer service skills
• Ability to understand the core competencies of a business and recognize deviation from those principals
• Strong organizational skills
• Ability to gather information and provide appropriate solutions
• Ability to communicate effectively with potential, new, and established client groups
• Ability to work in a group environment with a number of different individuals, both senior and junior
• Ability to create, build, and maintain effective and mutually beneficial business relationships with key commercial clients
• Ability to maintain confidentiality of secured information
• Ability to work in a competing and demanding market
• Ability to work in a goal focused team environment