Commercial Financial Advisor - Thomasville

Synovus•Thomasville, GA

About The Position

The Commercial Financial Advisor manages a portfolio of existing Firm clients and develops new business by soliciting qualified prospects. The advisor serves as the primary financial advisor for clients—including businesses, business owners, and individuals—who align with Pinnacle’s market segmentation. The role provides distinctive client service, administers a client loan portfolio in accordance with Firm credit policies, and offers loan and deposit products that meet clients’ financial needs. It also builds community relationships and supports community development through partnerships, education, events, and assistance to small businesses and low- to moderate-income (LMI) individuals and homebuyers. The advisor works with internal and external partners, including mortgage advisors, government agencies, and nonprofit organizations, and refers clients to specialty areas such as Trust, Investments, Insurance, and Treasury Management. The position requires compliance with applicable credit policies, banking regulations, and risk limits, as well as timely reporting of known or suspected violations. The description indicates that duties may include other related responsibilities and does not constitute a comprehensive inventory of all duties or qualifications.

Requirements

At least 10 years of experience in financial services.
Strong knowledge of consumer and commercial loan documents.
Proficiency in Microsoft Office (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 accurately under pressure in a fast-paced environment.
Flexibility and ability to multitask 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.
Ability to stand and sit for prolonged periods; use manual dexterity; communicate verbally; maintain visual acuity; perform repetitive motion; and hear.
Ability to sustain long periods of mental concentration.
Ability to bend, climb, balance, stoop, kneel, crouch, reach, walk, push, pull, lift, and grasp.

Nice To Haves

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

Responsibilities

Provide distinctive service to clients and prospects in person and by telephone, respond to inquiries, and resolve client issues.
Support the Firm’s three-ring standard for answering telephone calls.
Develop and maintain relationships with community-based organizations, charitable groups, community stakeholders, small business owners, residents, government agencies, and nonprofit organizations to identify community needs and opportunities.
Educate team members and clients about products and programs to increase client acquisition.
Administer and manage a client loan portfolio in accordance with Firm credit policies and clients’ financing needs.
Provide a full array of loan products and meet Pinnacle standards for risk ratings, credit soundness thresholds, and critical action items reflected in KPI reports.
Provide technical assistance and guidance to community organizations and LMI individuals seeking banking services, lending, investments, and resources, including help preparing applications.
Educate team members and clients on products and programs related to CRA and fair lending.
Ensure loans under the advisor’s responsibility comply with Firm credit policies and regulations.
Provide deposit products, including demand deposit accounts, money market accounts, savings accounts, and certificates of deposit.
Build relationships with internal and external partners, deepen client relationships, and cross-sell to increase clients’ share of wallet.
Participate in community meetings and events to 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 increase mortgage referrals, explain programs to potential borrowers and clients, and assist with loans in process as needed.
Organize homebuyer education, financial literacy workshops, and opportunities to help small businesses access capital and technical assistance and LMI 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 strengthen client relationships and increase lending, investment, and volunteer opportunities.
Develop and maintain knowledge of loan and deposit products for small business and affluent individual markets, as well as knowledge of the market.
Expand knowledge to add value to clients regarding 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 applicable policies, procedures, laws, regulations, and role-specific risk limits, and timely report known or suspected violations to the appropriate Company authority.
Perform other related duties as required.