Financial Advisor- (CAG)

synovuscareers; Tallahassee (FL); On-site; USD 90,000 - 120,000; Full time

Job summary

Pinnacle is seeking a Financial Advisor to manage a portfolio of existing Firm clients and aggressively solicit new business. The advisor will become the primary financial advisor for a client base including businesses, owners, and individuals aligned with Pinnacle's market segmentation.

The role requires strong knowledge of consumer and commercial loan products, credit policies, and regulatory compliance, with excellent client service and relationship-building skills.

Qualifications

• College degree in finance or business preferred.
• 10+ years of banking/financial services experience.
• Strong knowledge of consumer and commercial loan documents and related regulations.
• Excellent client service and communication skills.

Responsibilities

• Provide distinctive service to clients and prospects, in person and over the phone.
• Manage a portfolio of existing clients and solicit new business.
• Analyze creditworthiness and recommend loan approvals/denials within authority.
• Cross-sell banking products and services, including deposits and treasury management.
• Support compliance with credit policies and relevant regulations.

Skills

Loan documents knowledge

Communication skills

Analytical skills

Leadership & interpersonal skills

Independent work capability

Education

Bachelor's degree in finance or business

Tools

Microsoft Office

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.

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

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