Financial Advisor

Synovus•Columbus, GA

About The Position

The Financial Advisor manages a portfolio of existing Firm clients and develops new business through solicitation of qualified prospects. The position serves as the primary financial advisor for a portfolio of clients, including businesses, business owners, and individuals consistent with Pinnacle's market segmentation. It delivers distinctive client service and supports clients' business and personal financial needs through lending, deposit, investment, and financial-planning-related products and services. The role manages client lending relationships in accordance with Firm credit policies and applicable regulations, assesses borrower creditworthiness, recommends credit decisions, negotiates and structures credit extensions, and approves loans within authorized limits. It also develops and maintains business relationships, solicits new banking relationships, cross-sells appropriate products, and refers clients to specialist areas when appropriate. The position may also coach and develop team members and participate in performance-management processes for direct and indirect reports. The role requires a high school diploma or equivalent and at least 10 years of experience in banking or financial services. Depending on assigned duties, it may require NMLS registration under the SAFE Act and/or Series 7 licensing.

Requirements

High school diploma or equivalent.
At least 10 years of 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.

Responsibilities

Provide distinctive service to clients and prospects in person and by telephone, respond to inquiries, resolve issues, and support the firm's three-ring phone-answering standard.
Administer and manage a client loan portfolio in accordance with Firm credit policies while meeting 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 critical action items reflected in KPI reports.
Analyze prospective borrowers' creditworthiness and recommend approval or denial of credit requests.
Develop and manage business relationships with an emphasis on prudent growth and ongoing credit quality.
Negotiate credit extensions and structure loan terms, including collateral, repayment terms, pricing, and covenants; approve loans within authorized limits.
Ensure loans under the role's responsibility comply with Company credit policies and regulations.
Provide deposit products, including demand deposit accounts, money market accounts, savings accounts, and certificates of deposit.
Cross-sell appropriate financial products, including depository accounts, treasury management, and investment products.
Recommend tailored solutions and services to support clients' needs and 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, including through prospects, referral requests, and Board of Directors relationships.
Develop and maintain knowledge of loan and depository products for small businesses and affluent individuals, as well as knowledge of the market.
Expand knowledge to support clients' investment needs and estate planning.
Participate in developmental and training activities and projects as directed by management.
Where applicable, manage annual performance-management and merit processes for direct and indirect reports; coach and develop team members and foster an engaged, positive work environment.
Remain aware of risks in the role's functional area, follow applicable policies, procedures, laws, regulations, and risk limits, and promptly report known or suspected violations.
Address clients' business and personal financial needs and refer them to specialty areas such as Trust, Investments, Insurance, and Treasury Management when appropriate.
Assist other team members as needed to ensure distinctive service.
Perform other related duties as required.