Financial Advisor

Synovus•Alpharetta, GA

About The Position

The Financial Advisor delivers distinctive service while managing a portfolio of existing Firm clients and developing new business through solicitation of qualified prospects. The role serves as the primary financial advisor to a portfolio that may include businesses, business owners, and individuals aligned with Pinnacle’s market segmentation. The advisor manages client lending and deposit relationships, assesses creditworthiness, structures and approves loans within authorized limits, and ensures compliance with Firm credit policies and applicable regulations. The position also cross-sells financial products, supports clients’ broader financial planning needs, manages small investment portfolios, and refers clients to specialized areas such as Trust, Investments, Insurance, and Treasury Management. The advisor participates in training and projects, assists colleagues as needed, and performs other related duties as assigned.

Requirements

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 and tact and diplomacy when dealing with clients and team members.
May require 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.

Nice To Haves

A college degree is preferred, particularly 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 client issues.
Support the Firm’s three-ring standard for answering calls.
Administer and manage client loan portfolios in accordance with credit policies and clients’ financial needs.
Offer loan products, including working capital lines of credit, term loans, home equity lines of credit, residential mortgages, and consumer loans.
Meet designated risk-rating, credit-soundness, and KPI action-item standards.
Analyze potential borrowers’ creditworthiness and recommend loan approval or denial.
Develop and manage business relationships, emphasizing prudent growth and ongoing credit quality.
Negotiate credit extensions and structure loan terms, collateral requirements, repayment terms, pricing, and covenants.
Approve loans within authorized limits and ensure compliance with 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 deposit accounts, treasury management, and investment products.
Recommend tailored solutions and services to help clients manage their overall financial planning.
Manage small client investment portfolios, maintain investment knowledge, and refer brokerage business to the Investment department.
Solicit new personal and business banking relationships through prospects and referrals, including relationships associated with assigned Board of Directors members.
Maintain knowledge of loan and deposit products, the relevant market, investment needs, and estate planning.
Participate in developmental and training activities and management-directed projects.
Address clients’ business and personal financial needs and refer them to specialty areas as appropriate.
Assist other team members to support distinctive service and perform other related duties as assigned.