Credit Advisor

Synovus•Atlanta, GA

About The Position

The Credit Advisor provides distinctive service to clients and prospects while performing credit analysis and underwriting for new and renewed credit requests. The position also manages an ongoing credit portfolio and prepares underwriting documentation. The Credit Advisor may become eligible for lending authority at the hiring manager’s discretion. The role partners with Financial Advisors to guide new and renewed credit requests, evaluates credit in relation to the firm’s appetite, and provides analysis and recommendations to credit approvers. It includes client and prospect engagement, portfolio monitoring, financial covenant and borrowing-base testing, and referrals to other specialty areas to help meet clients’ business and personal financial needs. The position also supports teammates and performs other related duties as assigned.

Requirements

Bachelor’s degree in finance or a business-related field, such as accounting or economics.
At least 10 years of experience in financial services.
Thorough knowledge and understanding of the lending process.
Proficiency in Microsoft Office (Word, Excel, and PowerPoint) or related software.
Knowledge of federal and state banking regulations and compliance.
Proficiency with technology and loan systems.
Effective interpersonal, verbal, and written communication skills.
Effective analytical skills concerning financial and procedural data.
Ability to articulate complex concepts clearly and concisely.
Ability to define problems, collect data, establish facts, and draw valid conclusions.
Understanding of critical lending documentation, general business systems, and internal controls.
Ability to work accurately under pressure in a fast-paced environment.
Ability to work independently and prioritize daily tasks.
Flexibility, multitasking, and effective time-management skills to meet deadlines.
Ability to adapt to change and handle multiple priorities.
Excellent client service skills and tact and diplomacy when dealing with clients and team members.
Ability to perform the stated physical activities, including prolonged standing and sitting, manual dexterity, verbal communication, visual acuity, repetitive motion, hearing, bending, climbing, balancing, stooping, kneeling, crouching, reaching, walking, pushing, pulling, lifting, and grasping.
Ability to sustain long periods of mental concentration.

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 phone-answering standard.
Partner with Financial Advisors to provide front-end guidance on new and renewed credit requests, including credit desirability, structure, documentation, and monitoring.
Complete underwriting functions, including financial spreading when applicable, written analysis, global cash flow analysis, industry analysis, projections, collateral evaluation, and risk rating.
Participate in prospect and client calls and contribute to credit decisions.
Exercise sound judgment when approving requests within any lending authority held.
Complete Periodic Credit Reviews on time and provide written analysis supporting credit exposure, risk ratings, and recommendations.
Calculate and test financial covenants, borrowing bases, and margin requirements; address and communicate defaults, projection variances, over-advances, and potential risk-rating changes.
Evaluate front-end cost analyses for construction loans, as appropriate.
Complete Net Operating Income analysis to assess whether requested loan amounts are supported by income-producing properties, as applicable.
Review monthly KPI and portfolio reports for accuracy and discuss results with the appropriate Senior Credit Officer.
Identify 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 in delivering distinctive service.
Perform other related duties and responsibilities as assigned.