About the position
Facilitates credit underwriting and portfolio management as part of the first line of defense for CIB's credit products organization, supporting the designated industry group. Structures and underwrites new and renewal credit opportunities for both syndicated and bilateral lending activities for corporate clients and private equity sponsors, and provides ongoing credit servicing, portfolio monitoring and problem loan identification within the Synovus risk framework. Stays knowledgeable on industry risks and trends for the assigned industry. Conducts detailed credit analysis based on information provided by the borrower, publicly available information, evaluation of the borrower's credit needs, and the ability to pay across a range of products against established credit standards. Complies with internal policies and procedures and regulatory requirements. Serves as an additional point of client contact, maintaining a high level of client responsiveness. Navigates a wide variety of financial structures, credit scenarios and financial analysis situations. Collaborates with transaction teams on loan closings to ensure proper documentation of new and amended deals as well as waivers and modifications.
Responsibilities
- Conducts analysis and structuring of credit requests for clients and prospects.
- Develops client assessments including in-depth analyses of financial data and other information provided by the client.
- Conducts projection modeling, stress testing and other analyses using research and evaluations from a wide variety of sources.
- Assesses deal strengths and weaknesses and risk factors.
- Evaluates and establishes risk ratings for transactions and correlates exposure levels as a part of the client strategy discussion.
- Completes and coordinates memos using aforementioned process and materials.
- Interacts with deal team(s) and participant/agent banks on syndicated transactions.
- Collaborates with clients, other lenders and lender's counsel regarding loan documentation and closing process for new and amended credit facilities, including waivers and modifications.
- Helps ensure loan documentation complies with loan approvals.
- Initiates discussions as needed with relationship teams to ensure client positive operating performance and ability to meet obligations.
- Notifies relationship teams of any deterioration in operating performance.
- Submits periodic reporting and servicing.
- Monitors tickler and exception reports to manage flow of financial reporting and client compliance with covenants.
- Provides a cohesive and comprehensive approach to review ratings, risk assessment, portfolios, clients and industries in assigned sector.
- Prepares and presents quarterly and annual risk reviews and tiering analyses.
- Assigns risk ratings and maintains updated credit research on portfolio of clients.
- Remains current on all aspects of the credit relationship, including exposure, compliance, potential problems and opportunities.
- Notifies coverage bankers of any issues and interacts with clients as required.
- Serves as a client point of contact and is responsible for collection of required client reporting.
- Monitors existing client credit on a daily basis for issues or concerns.
- Conducts periodic credit servicing.
- Ensures all transactions and processing are in compliance with regulatory and company guidelines, policies and procedures.
- Prepares documentation for loan discussion, approval and committee presentation purposes at direction of Credit Products/Coverage leadership.
- Performs other related duties as required.
Requirements
- Bachelor's Degree in Business Administration, Finance, Accounting or related discipline or an equivalent combination of education and experience.
- 3-5 years of credit analysis, portfolio management, and/or lending experience to include deal vetting and loan structuring OR Graduate of the Synovus Accelerated Banker Program with one year of experience as a Credit Analyst.
- Strong understanding of risk management and credit mitigants.
- Proficiency using Microsoft Office software products including advanced Excel modeling skills.
- Familiarity with Moody's analytics.
- Knowledge risk ratings analysis, corporate finance and/or research.
- Strong analytical and financial modeling ability.
- Strong client servicing and relationship building, organizational, verbal and written communication skills.
Nice-to-haves
- Series 63 and Series 79 Securities, or equivalent, licenses.
