Commercial Financial Advisor - Thomasville

Synovus Bank•Thomasville, GA

About The Position

The Commercial Financial Advisor manages a portfolio of existing Firm clients and develops new business through solicitation of qualified prospects. The advisor serves as the primary financial advisor for business entities, business owners, and individuals aligned with Pinnacle’s market segmentation, providing distinctive service and helping meet clients’ business and personal financial needs. The role manages client loan portfolios in accordance with Firm credit policies, provides loan and deposit products, and supports clients and community organizations with banking services, lending, investments, resources, and application preparation. It also develops community relationships and supports community development and economic growth through partnerships, education, events, and programs related to Community Reinvestment Act (CRA) and Fair Lending requirements. The advisor collaborates with internal and external partners, including Mortgage Advisors, government and nonprofit agencies, realtors, builders, and affordable housing organizations. The position supports mortgage referrals and production, coordinates eligible down-payment assistance, provides financial literacy and homebuyer education, and refers clients to specialty services such as Trust, Investments, Insurance, and Treasury Management. Team members are expected to observe applicable policies, procedures, laws, regulations, and risk limits, and to promptly report known or suspected violations. Other related duties may be assigned.

Requirements

At least 10 years of experience in financial services.
Strong knowledge of consumer and commercial loan documents.
Proficiency in Microsoft Office, including Word, Excel, and PowerPoint, or related software.
Knowledge of federal and state banking regulations and compliance.
Broad knowledge of bank products and services.
Excellent interpersonal, verbal, and written communication skills.
Effective analytical and mathematical reasoning skills, with strong attention to detail.
Ability to work in a fast-paced environment and under pressure with a high degree of accuracy.
Flexibility and ability to manage competing priorities and meet tight deadlines.
Ability to work independently and prioritize daily tasks.
Excellent client service skills.
Tact and diplomacy when dealing with clients and team members.

Nice To Haves

College degree preferred, particularly in finance or a business-related field.

Responsibilities

Provide distinctive service to clients and prospects in person and by telephone, respond to inquiries, and resolve client issues.
Support the Firm-wide three-ring standard for answering calls.
Manage a portfolio of existing clients and develop new business by soliciting qualified prospects.
Build and maintain positive community relationships with community organizations, charitable organizations, stakeholders, small business owners, residents, government agencies, and nonprofits.
Educate team members and clients about products and programs to increase client acquisition.
Administer and manage client loan portfolios in accordance with Firm credit policies and clients’ financial needs.
Provide loan products and deposit products, including demand deposit, money market, savings, and certificate of deposit accounts.
Meet designated standards for risk ratings, credit soundness thresholds, and critical action items identified in KPI reports.
Provide technical assistance, guidance, and support to community organizations and low- to moderate-income individuals seeking banking services, lending, investments, or resources, including help preparing applications.
Educate team members and clients about CRA- and Fair Lending-related products and programs.
Ensure loans under the advisor’s responsibility comply with Firm credit policies and applicable regulations.
Develop relationships with internal and external partners, deepen client relationships, and cross-sell to increase share of wallet.
Participate in community meetings and events that promote community development and economic growth.
Develop and implement strategies to maximize the impact of community development programs and initiatives and support compliance with CRA and Fair Lending requirements.
Coordinate with government and nonprofit agencies to use internal and external down-payment assistance funds with eligible first mortgage loans.
Work with Mortgage Advisors to improve the number and quality of mortgage referrals and assist with loans in process as needed.
Explain programs accurately and completely to potential borrowers and clients.
Organize homebuyer education, workshops, and financial literacy opportunities, including support for small businesses seeking capital and technical assistance and low- to moderate-income homebuyers.
Assist with mortgage loan production goals and targets to meet peer performance targets in assessment areas.
Attend, facilitate, and coordinate realtor, builder, affordable housing, and other networking events to build client relationships and increase lending, investment, and volunteer opportunities.
Maintain knowledge of loan and deposit products for small business and affluent individual markets, as well as knowledge of the market.
Expand knowledge to support clients’ investment needs and estate planning.
Address clients’ business and personal financial needs and refer them to specialty areas such as Trust, Investments, Insurance, and Treasury Management as appropriate.
Assist other team members as needed to ensure distinctive service.
Observe policies, procedures, laws, regulations, and risk limits applicable to the role, and timely report known or suspected violations to the appropriate Company authority.
Perform other related duties as required.