Financial Advisor (Private Wealth)

Synovus•Sarasota, FL

About The Position

The Financial Advisor manages a portfolio of existing Firm clients and develops new business by soliciting qualified prospects. The advisor becomes the primary financial advisor for a portfolio that may include business entities, business owners, and individuals consistent with Pinnacle's market segmentation. The role delivers distinctive client service and supports clients' business and personal financial needs through lending, deposit products, financial planning services, investment portfolio management, and referrals to specialty departments. The position administers client loan portfolios in accordance with Firm credit policies, evaluates borrower creditworthiness, recommends loan decisions, negotiates credit extensions, and may approve loans within authorized limits. It also develops and maintains banking relationships, cross-sells appropriate products, expands product and market knowledge, participates in training and projects, and assists colleagues in delivering client service. Duties may include other related responsibilities assigned by management. The description states that it is a general outline and not a comprehensive inventory of all duties or qualifications.

Requirements

Minimum of 10 years' experience in banking or 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 requirements.
Broad knowledge of bank products and services.
Excellent verbal and written communication skills.
Solid leadership and interpersonal skills.
Strong analytical skills and attention to detail.
Ability to work independently and prioritize daily tasks.
Excellent client service skills.
Tact and diplomacy in dealing with clients and team members.
May require successful NMLS registration and issuance of a unique identification number within an established timeframe after employment, including a nationwide fingerprint check.
May require FINRA licensing or certifications.
Ability to meet the physical demands described, including prolonged standing and sitting, manual dexterity, verbal communication, visual acuity, repetitive motion, hearing, and occasionally bending, climbing, balancing, stooping, kneeling, crouching, reaching, walking, pushing, pulling, lifting, and grasping.
Ability to sustain long periods of mental concentration.

Nice To Haves

College degree preferred, preferably 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 issues.
Support the firm's three-ring standard for answering telephone calls.
Administer and manage client loan portfolios in line with credit policies and clients' financial needs.
Provide loan products, including working capital lines of credit, term loans, home equity lines of credit, residential mortgages, and consumer loans.
Meet designated standards for risk ratings, credit soundness thresholds, and KPI critical action items.
Analyze prospective borrowers' creditworthiness and recommend approval or denial of credit requests.
Develop and manage business relationships with emphasis on prudent growth and ongoing credit quality.
Negotiate credit extensions and loan structures, including collateral, repayment terms, pricing, and covenants.
Approve loans within authorized limits and ensure compliance with credit policies and applicable regulations.
Provide deposit products, including demand deposit, money market, savings, and certificate of deposit accounts.
Cross-sell appropriate financial products, including deposit accounts, treasury management, and investment products.
Recommend tailored solutions and services that assist clients with overall financial planning.
Manage small client investment portfolios, maintain familiarity with investments, and refer brokerage business to the Investment department.
Solicit new personal and business banking relationships through prospects, referrals, and assigned Board of Directors relationships.
Maintain knowledge of loan and deposit products for small businesses and affluent individuals, and of the local market; expand knowledge of investment needs and estate planning.
Participate in developmental and training activities and projects as directed by management.
Address clients' business and personal financial needs and refer them to Trust, Investments, Insurance, Treasury Management, and other specialty areas as appropriate.
Assist other team members as needed to ensure distinctive service.
Perform other related duties and responsibilities as assigned.