SBA Credit Advisor

Synovus•Columbus, GA

About The Position

The SBA Credit Advisor provides credit underwriting and approval support for government-guaranteed SBA 7(a) and 504 loans used to finance start-ups, business acquisitions, expansions, equipment purchases, construction, and commercial real estate purchases. The role ensures SBA lending complies with SBA SOP and Pinnacle SBA Credit Policy, manages the loan portfolio on an ongoing basis, and prepares underwriting documentation. The advisor may become eligible for lending authority, as determined by leadership. The position provides distinctive service to clients and prospects, supports Financial Advisors with credit guidance, and supplies the credit-approving team with underwriting analysis and recommendations. It also involves portfolio reviews, risk awareness and reporting, identifying clients’ broader financial needs, and referring them to appropriate specialty areas. The description notes that its duties are representative of the general nature and level of work and are not a comprehensive inventory of all responsibilities or qualifications. Pinnacle is an Equal Opportunity Employer committed to fostering an inclusive work environment.

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.
Proficiency in Microsoft Office (Word, Excel, and PowerPoint) or related software.
Thorough knowledge of the SBA SOP lending process, including SBA 7(a) and 504 programs, and determining eligible borrowers to protect the Bank’s government loan guarantees.
Knowledge of federal and state banking regulations and compliance.
Proficiency with technology and loan systems.
Effective verbal and written communication and interpersonal skills.
Effective analytical skills with financial and procedural data.
Ability to explain 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 a changing environment and manage multiple priorities.
Excellent client service skills and tact and diplomacy with clients and team members.
Ability to stand and sit for prolonged periods; use manual dexterity; communicate verbally; maintain visual acuity; perform repetitive motions; and hear.
Ability to bend, climb, balance, stoop, kneel, crouch, reach, walk, push, pull, lift, and grasp.
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 standard for answering phone calls.
Guide Financial Advisors on new and renewed credit requests, including credit appetite, structure, documentation, and monitoring.
Perform 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.
When applicable, make sound credit decisions within assigned lending authority.
Complete Periodic Credit Reviews on time.
Prepare written analysis supporting credit exposure, risk ratings, and recommendations.
Address clients’ business and personal financial needs and refer them to specialty areas such as Trust, Investments, Insurance, and Treasury Management, as appropriate.
Observe policies, procedures, laws, regulations, and role-specific risk limits; promptly report known or suspected violations to the appropriate company authority.
Assist other team members as needed to deliver distinctive service.
Perform other related duties as required.