Posted in Other 30+ days ago.
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Type: Full Time
Location: Birmingham, Alabama
Performs credit review of manually underwritten commercial loans. Collaborates with loan officers and may interact with customers. Seeks the advice of senior team members on more complex issues outside assigned scope. Performs research and financial and statistical analyses to determine and support client credit worthiness while minimizing risk exposure. Prepares analyses, 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.
Job Duties and Responsibilities:
Performs credit review of commercial manually underwritten loans. Focuses primarily on less complex and/or large commercial loan requests.
Applies knowledge of credit/risk management processes to ensure appropriate balance between company risk and customer/client focus and relationship is maintained.
Spreads financial statements, may work with Dual Risk Rating, and may perform credit service reviews. Conducts research to determine credit quality, character and soundness including analysis of extensive statistical data and 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 ratings.
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 as applicable
Works independently, but may partner with more senior analysts and loan officers to screen loan packages and collect 'due diligence' materials. Learns to interact and provide guidance to customers and accountants. May travel to customer locations 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.
May work with specific lenders on portfolio management. Proactively prepares for renewals, performs calculation of borrowing bases, and monitors covenants.
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.
Synovus is an Equal Opportunity Employer supporting diversity in the workplace.
Bachelor's Degree in Business Administration, Finance, Accounting or related discipline or an equivalent combination of education and experience
Three years of job specific experience including, but not limited to, analyzing and interpreting corporate and personal financial statements and tax returns, performing diverse analyses, and preparing supporting documentation for management review
Required Knowledge, Skills, & Abilities:
Knowledge of financial accounting theory, methodology and logic
Good analytical ability and attention to detail
Excellent verbal and written communication skills
Ability to meet reasonable deadlines and prioritization of workflow
Ability to communicate effectively with clients
Ability to use work flow tool
Proficiency using Microsoft Office software products
Preferred Knowledge, Skills, & Abilities:
Basic knowledge of credit risk analysis/underwriting principles, methods, practices and regulatory requirements
Basic knowledge of credit/lending systems and databases