Credit Advisor - USDA UW

Job Summary

Manages and monitors a portfolio of client credit exposures with total Synovus Relationship Exposure (TSRE) over $2.5MM, across industry classes, on an ongoing basis. Underwrites credit requests including new requests, renewals, modifications, and conducts credit monitoring/portfolio management events such as quarterly/annual review, covenant compliance, and line availability calculated with support of aging reports and Borrowing Base Certificates, as the credit expert within the first line of defense. Monitors existing credit on a scheduled basis for issues or concerns. Works with Community Bankers to manage proposed credit requests from clients. Recommends credit structures and provides effective challenge while ensuring quality and profitability of assigned portfolio. Ensures adherence to the Synovus credit risk philosophy, risk appetite and lending strategies. Serves as an additional point of client contact, maintaining a high level of responsiveness. Navigates a wide variety of financial structures, credit scenarios and financial analysis situations. Communicates risk and return with Community Banking partners. Collaborates with Bankers on loan closings to ensure proper documentation of new and amended deals as well as waivers and modifications.

Job Duties and Responsibilities

• Conducts analysis and structuring of credit requests for clients and prospects. Develops client assessments including in-depth analyses of financial data and other information provided by the client. Conducts projection modeling, stress testing and other analyses using research and evaluations from a wide variety of sources.
• Assesses deal strengths and weaknesses and risk factors. Evaluates and establishes risk ratings for transactions and correlates exposure levels as a part of the client strategy discussion. Completes and coordinates memos (e.g., Deal Concept Memo/ LAF) using established processes and materials.
• Prepares thorough servicing reviews on a periodic basis and participates in the risk rating verification process. Works with Bankers and Credit partners regarding risk rating overrides. Conducts timely compliance and credit review (e.g., quarterly, annually) for Bankers. Completes spreads and also forwards statements for spreading and ensures upload to internal databases/systems.
• Monitors tickler and exception reports to manage flow of financial reporting and client compliance with covenants. Provides a cohesive and comprehensive approach to review ratings, risk assessment, portfolios, clients and industries in assigned sector. Prepares and presents quarterly and annual risk reviews and tiering analyses. Assigns risk ratings and maintains updated credit research on portfolio of clients.
• Works with Bankers on the loan documentation and closing process for new large, complex credit facilities. Interfaces with the administration operations officer on the booking of new deals, setting up appropriate loan monitoring procedures, and ensuring proper set up on the loan systems for accurate ongoing monitoring.
• Works collaboratively with bankers to drive and own the renewal process including engaging with clients to understand future business objectives and credit related needs.
• Collaborates with Bankers and other business teams (e.g., Treasury, Cards) to meet client credit requests and assists in efforts to identify cross-sell opportunities. Partners with loan officers to assist in new business development and prospecting efforts including screening new loan packages. May travel to customer locations with loan officers.
• Spreads financial statements and works with Dual Risk Rating team. Conducts research to determine credit quality, character and soundness including analysis of extensive statistical data and financial statements, sensitivity analysis, industry analysis, guarantor analysis, and management assessment.
• Works with specific lenders to conduct loan portfolio management activities including proactively preparing calculation of borrowing bases, and monitoring loan covenants. Owns the process to monitor the receipt of borrowing base and covenant compliance from clients.
• Initiates discussions as needed with Bankers to ensure customers' positive operating performance and ability to meet obligations. Notifies bankers of any deterioration in operating performance. Submits periodic reporting and servicing.
• Ensures all transactions and processing comply with regulatory and company guidelines, policies and procedures. Interfaces with Loan operations team regarding booking of new and amended deals, waivers and modifications, providing all necessary documentation to complete closing process.
• 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.

The information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.

Minimum Education:

• Bachelor's Degree in Business Administration, Finance, Accounting or related discipline or equivalent combination of education and experience.

Minimum experience:

• Two years of experience as a Community Bank Credit Risk Manager I with Synovus/PNFP; or eight years of credit analysis or commercial banking experience. USDA underwriting experience required
  

Required Knowledge, Skills, & Abilities:

• Understanding of the core competencies of a business and recognizes deviation from those principals
• 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
• Strong customer service skills
• Strong organizational skills
• Strong verbal and written communication skills
• Proficiency using Microsoft Office software products including Moody's statement