Company: Synovus Financial Corp.
Posted on: September 13, 2019
Performs duties related to the underwriting of commercial loans
typically $2.5MM - $15MM in size for customers with revenues from
$2.5MM to $75MM. In a bank setting, collaborates frequently with
loan officers and credit approvers; interacts with and provides
consultation to customers. Performs research and financial and
statistical analysis to determine and support the clients' credit
worthiness while minimizing risk exposure. Prepares analysis,
reports and presentations for management review and regulatory
reporting. Ensures all transactions and processing are in
compliance with regulatory and company guidelines, policies and
procedures. May assist less-experienced analysts with complex loan
Job Duties and Responsibilities:
* Performs duties related to the credit review of commercial
manually underwritten loans, with a primary focus on very large,
complex commercial loans. Utilizes independent judgment and
decision-making authority to make timely and effective decisions,
while managing the assessment of the most complex, high-dollar and
high-risk clients and prospective clients. Applies broad and
in-depth knowledge of credit/risk management processes to ensure
the appropriate balance between company risk and customer/client
focus and relationship is maintained.
* Spreads financial statements, works with Dual Risk Rating and
performs Credit Service Reviews. Researches to determine credit
quality, character and soundness including, but not limited to,
analysis of extensive statistical data & financial statements,
sensitivity analysis, industry analysis, management assessment and
guarantor analysis. Ensures the consistent use of well-supported
and factual analyses and processes to determine and recommend risk
* Works with specific lenders to conduct loan portfolio management.
Proactively prepares for renewals, performs calculation of
borrowing bases, monitors covenants, etc.
* Refers to documented policies and procedures to guide and support
the review and decision-making process. Seeks the advice of senior
team members on more complex and questionable issues that are
outside of the assigned scope.
* Follows standard operating procedures when preparing analyses,
reports, and presentations for management review. Performs accurate
spreading of historical financial statements; prepares prudent
projections, free of repetitious spread numbers and superfluous
narrative; and represents a clear focus on the merits, risks, and
mitigating factors accordingly. Ensures each step of the process is
in compliance with all company and regulatory guidelines, policies,
procedures and methodology. Stays abreast of variations in laws
across state boundaries, if applicable.
* Partners with loan officers to screen loan packages and collect
"due diligence" materials; interacts with and provides consulting
services to customers and accountants. Travels to customer
locations frequently with loan officers. Provides analytical
support for developing and maintaining credit studies, financial
background information and other relevant data on present and
prospective customers. Analyzes present and proposed lending and
recommends optimum course of action to maximize profitability while
providing a complete risk/delinquency analysis.
* Serves in a senior capacity, providing work/task related
direction and advice to lower level team members. May orient,
train, assign and review work assignments and results, providing
performance feedback and training. May also provide guidance to the
department/team during the temporary absence of the
manager/supervisor to ensure day-to-day activities continue in an
efficient and productive manner.
* Assists with the development and maintenance of management
reporting systems, both manual and automated, that provide an
accurate and readily available reference library of loan
portfolios, clients current and historical data, reports, SOP, etc.
Ensures all support documentation, both prepared and submitted, are
in compliance and retained in accordance with the company's records
* 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
* 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.
Synovus is an Equal Opportunity Employer supporting diversity in
the workplace. Minimum Education: Bachelor's Degree in Business
Administration, Finance, Accounting or related discipline
Minimum Experience: 7+ years job specific credit underwriting
experience in an organization of comparable size and industry
Required Knowledge, Skills, & Abilities:
* Demonstrated work experience in the following areas:
* Analyzing and interpreting complex corporate and personal
financial statements and tax returns.
* Performing diverse complex analysis and preparing supporting
documentation for management review.
* Broad, in-depth knowledge of credit risk analysis/underwriting
principles, methods, practices and regulatory requirements
* Knowledge of financial accounting theory, methodology and
* Proficient at the advanced level with Microsoft Office
applications including Word and Excel
* Proficient at the advanced level in department credit/lending
systems and databases
* Excellent verbal and written communication skills
* Ability to meet service level agreements
* Ability to communicate effectively with clients to provide
consultation concerning very large, complex commercial loans
* Ability to use work flow tool
Keywords: Synovus Financial Corp., Charleston , Credit Analyst, Accounting, Auditing , Charleston, South Carolina
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