Credit Analyst - Senior Housing

Synovus•Homewood, AL

About The Position

Assists in facilitating the day-to-day management of an existing corporate and middle market customer portfolio (generally companies with over $75mm in revenues), having a moderate and/or complex degree of difficulty. Monitors existing credit on a scheduled basis for issues or concerns, including responsibility for ongoing reporting collection and servicing. Works alongside Corporate Bankers to handle proposed credit requests from customers and prospects. Aids in facilitating the analysis, underwriting, preparation of materials, documentation and closing process for newly originated and amended moderate and/or complex credit facilities, ensuring that the loans are properly set up on the loan system for accurate booking and ongoing monitoring.

Requirements

Bachelor's degree in Business Administration, Finance, Accounting, or related field
Either successful completion of the one-year LCB Associate training program, or four (4) years of either credit analysis or commercial banking experience, including a minimum of two years middle market or corporate banking
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

Responsibilities

Assists in the management of a base of customer relationships alongside a corporate banker, handling credit requests for existing and potential customers. This includes collecting necessary financial data, financial modeling for verification and understanding of past and future performance, analysis and completion of necessary memos.
Works alongside Corporate Banker with the determination of credit requests including structuring, analysis and assistance in formulation of proposals. Develops an assessment with corporate banker of client and deal strengths, weaknesses, risks and mitigating factors, competitor and industry risks and trends. Requires complete in-depth analysis of financial data and other information provided by the client, and supplemental analysis with research and evaluations from a wide variety of sources. Prepares and oversees written memos utilizing aforementioned process and materials.
Supports the facilitation of all credit-related approvals and related approval documentation including derivative, card, treasury and letter of credit approvals and issuances.
May interact with deal team at agent bank on buy-side syndicated transactions, as well as with participating banks on Synovus-led multi-bank deals.
Works with corporate bankers, agent bank officers, and bank attorney on the loan documentation and closing process for new and amended credit facilities, including waivers and modifications. Helps ensure loan documentation complies with loan approvals.
Assists with the engagement review and sign off on third party diligence reports including appraisals, flood determinations, environmental reports, construction draws, etc.
Interfaces with loan administration operations on the booking of new and amended deals, waivers and modifications, providing all necessary documentation to complete closing process. Ensures proper set up on the loan systems for accurate initial booking and ongoing monitoring.
Ensures all transactions and processing are in compliance with regulatory and company guidelines, policies and procedures.
Reviews status of current accounts to include, but not limited to, past due accounts, maturities, and renewals. Notifies corporate bankers on these matters and interacts with the customer where necessary.
Responsible for ongoing customer required reporting collection in a timely manner. Monitors existing credit on a daily basis for issues or concerns and conducts periodic credit servicing as required. Initiates discussions as needed with corporate bankers to ensure customers' positive operating performance and ability to meet their obligations. Notifies corporate bankers immediately of any deterioration in operating performance. Responsible for the timely completion and submission of all periodic reporting and servicing.
Works alongside Loan Administration on exception report clearing to ensure required reporting has been received, sent to the proper repository and saved in the common drive
Assists Sr. Portfolio Manager as requested with managing Associate work flow. Works alongside and develops and mentors Associates.
Assists Sr. Portfolio Manager as requested for internal and external exam preparation, including the fielding of specific questions and/or information requests by examiners on the PM's own portfolio.
Builds rapport with customers and promotes credit relationships, serving as a primary day to day credit contact and interacting with customers and prospects on initial due diligence and ongoing reporting collection.
Assists in cross selling efforts and performs special projects related to individual portfolio dynamics or projects for the department manager.
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.