Financial Advisor

Synovus; Coral Gables (FL); On-site; USD 90,000 - 130,000; Full time

Job summary

Synovus in Coral Gables, FL is seeking a seasoned Financial Advisor to manage a portfolio of firm clients and aggressively develop new business. The role focuses on delivering distinctive service to high-net-worth clients and business entities.

The candidate should have at least ten years in banking/financial services, with deep knowledge of consumer and commercial loan products, regulatory requirements, and strong communication skills.

Qualifications

• College degree is preferred — finance or business-related field.
• Minimum of 10 years' experience in banking/financial services.
• Strong knowledge of consumer and commercial loan documents; regulatory compliance knowledge.
• Proficient in Microsoft Office; excellent verbal and written communication.
• Ability to build and manage client relationships; proactive in identifying opportunities.

Responsibilities

• Manage a portfolio of existing Firm clients and aggressively solicit new business.
• Provide loan, depository, and investment solutions aligned with client needs.
• Ensure compliance with credit policies and regulatory requirements.
• Cross-sell products and coordinate with Investment/Treasury teams.
• Deliver distinctive service and respond to client inquiries promptly.

Skills

Banking knowledge

Customer service

Communication skills

Microsoft Office

Regulatory knowledge

Education

College degree (finance or business)

Job description

Job Summary:
A Financial Advisor should demonstrate commitment to delivering distinctive service. This position will be responsible for managing a portfolio of existing Firm clients and development of new business through aggressive solicitation of identified qualified prospects. Through this process, become the primary financial advisor for a portfolio of clients which would include business entities, business owners, and individuals who are consistent with Pinnacle's market segmentation.

Job Duties and Responsibilities:

• Provide distinctive service to clients and prospects, in person and over the telephone. Respond to client inquiries and satisfactorily resolve client issues. Support firm-wide achievement of the three-ring standard (all phones answered by a live person within three rings). Administer and manage client loan portfolio consistent with the Firm's credit policies while meeting the financial needs of clients. Provide a full array of loan products designed to meet the financing needs of clients. Includes but not limited to Working Capital Lines of Credit, Term Loans for equipment or building, Home Equity Lines of Credit, Residential Mortgages, and other miscellaneous consumer loans. Meet all designated Pinnacle standards for appropriate risk rating; credit soundness thresholds; and critical action items as represented in KPI reports. Analyze creditworthiness of a potential borrower and recommend either approval or denial of the request. Develop and manage business relationships with emphasis upon prudent growth and ongoing credit quality. Negotiate credit extensions. Work with clients on the structure and terms under which credit would be extended to include collateral requirements, repayment terms, pricing, and covenants required for extension of loans. Approve loans under approved authority limits. Ensure compliance with the Firm's credit policies and regulations for all loans under his/her responsibility. Provide deposit products including but not limited to Demand Deposit Accounts, Money market Accounts, Savings Accounts, and CD's. Cross-sell all appropriate financial products including but not limited to Depository Accounts, Treasury management, and Investment Products. Optimize/recommend appropriate tailored solutions to client needs and provide various services designed to assist client in management of overall financial planning. Manage small investment portfolios for clients and be conversant about investment and ready to refer to brokerages business to the Investment department. Solicit new personal and business banking relationships. Proactively solicit new business relationships through prospects and referral requests and pursue personal banking relationships of assigned Board of Directors and requesting referrals from Board members. Develop and maintain product knowledge of all loan and depository products designed for small business and affluent individual markets, as well as personal knowledge of market. Further expand knowledge to add value to client with regard to Investment needs and estate planning. Participate in developmental and training activities as well as projects as directed by management. Meet all the client's financial needs, both business and personal, and refer clients to other specialty areas such as Trust, Investments, Insurance, Treasury Management, etc. as appropriate. Assist other team members as needed to ensure delivery of distinctive service. Perform other related duties and responsibilities as assigned.

Minimum Education: College degree is preferred -- finance or business-related field.

Minimum Experience: Minimum of 10 years' experience in banking/financial services.

Required Knowledge, Skills & Abilities: Strong knowledge base relative to consumer and commercial loan documents. Proficient 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. Tact and diplomacy in dealing with both clients and team members. The physical activities of this job include but are not limited to the ability to stand and sit for prolonged periods of time, use of manual dexterity, verbal communication, visual acuity, repetitive motion, and the ability to hear. Often long periods of mental concentration are required. Other activities are the ability to bend, climb, balance, stoop, kneel, crouch, reach, walk, push, pull, lift, and grasp. This position may require successful registration and issuance of a unique identification number from the Nationwide Mortgage Licensing System (NMLS) in compliance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE ACT). Registration must be accomplished within an established timeframe after initial employment and includes a nationwide finger print check. Additionally, this position may require FINRA licensing/certifications.

Pinnacle is an Equal Opportunity Employer committed to fostering an inclusive work environment.

Synovus is an equal opportunity employer committed to fostering an inclusive work environment. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.

Applicants with Disabilities: All interested and qualified candidates are invited to apply for employment opportunities with Synovus. If you are an applicant with a disability who is unable to use our online tools to search and apply for jobs, please contact us at [e-mail] .

Pinnacle Bank, a Tennessee bank, d/b/a Synovus Bank

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