USDA Credit Advisor

Synovus; Atlanta (GA); On-site; USD 90,000 - 140,000; Full time

Job summary

Synovus is seeking a USDA Credit Advisor to deliver comprehensive credit analysis and underwriting for new and renewed credit requests. The role includes ongoing portfolio management and preparation of underwriting documentation, with potential eligibility for lending authority as determined by the hiring manager.

The ideal candidate brings a strong background in credit analysis, underwriting, and financial statement review, plus the ability to interact with clients and cross-sell services.

Qualifications

• Minimum education: Bachelor’s degree in finance or business-related field.
• Minimum of 10 years’ experience in financial services.
• Thorough knowledge of the lending process and related documentation.

Responsibilities

• Provide credit analysis and underwriting for new and renewed credit requests.
• Perform ongoing portfolio management and preparation of underwriting documentation.
• Complete underwriting functions including financial spreading, NOI analysis, and risk rating.
• Engage in client calls and support lending decisions with written analysis and recommendations.
• Ensure timely completion of periodic credit reviews and monitor covenants and cash flows.
• Refer clients to other areas (Trust, Investments, Insurance, Treasury) as appropriate.

Skills

Credit analysis

Underwriting

Financial analysis

Microsoft Office

Regulatory knowledge

Communication skills

Portfolio management

Education

Bachelor's degree in finance or business

Tools

Microsoft Office

Loan systems

Job description

Job Summary:
A USDA Credit Advisor should demonstrate commitment to delivering distinctive service. This position will be responsible for providing the credit analysis and underwriting for new and renewed credit requests. This position is also responsible for ongoing portfolio management and preparation of underwriting documentation. The USDA Credit Advisor may become eligible to receive lending authority, as determined by the hiring manager.

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).
• Partner with Financial Advisors by giving front end guidance on new and renewed credit requests including desirability of the credit related to Pinnacle's credit appetite, structure, documentation, and monitoring.
• Complete all underwriting functions such as financial spreading (if applicable), written analysis, global cash flow analysis, industry analysis, projections, collateral evaluation, and risk rating to provide vital decisioning information to the credit approving team.
• Engage in prospect and client calls. Exhibit willingness and ability to "weigh in" on the credit decision.
• If applicable, exercise sound decisioning judgment if approving within own lending authority. Ensure timely completion of Periodic Credit Reviews.
• Provide sufficient written analysis to support the credit exposure, assigned risk rating, and recommendations.
• Perform ongoing, timely calculations and testing of financial covenants, borrowing bases and margin requirements as required; address and communicate any issues that warrant discussion such as defaults, variances from projections, over advances, potential risk rating changes (up or down).
• Evaluate appropriate front end cost analysis on construction loans.
• Complete Net Operating Income (NOI) analysis to ensure the requested loan amount supports the income producing property, as applicable.
• Review the monthly KPI and portfolio reports available on the intranet each month, ensuring accuracy and discussing results with the appropriate Senior Credit Officer.
• 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.
• 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).
• Manages the annual performance management and merit processes for direct and indirect reports as applicable. Coaches and develops team members and builds a work environment where team members are engaged and feel a positive sense of achievement about their role in the company. Works closely with Human Resources regarding employee relations, compensation, training, posting and filling vacant positions and other Human Resources related matters.
• 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.
• 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.
• 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 is required -- finance or business-related field (accounting, economics, etc.).

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

Required Knowledge, Skills & Abilities:Thorough knowledge and understanding of the lending process. Proficient in Microsoft Office (Word, Excel, and PowerPoint) or related software. Knowledge of federal and state banking regulations and compliance. Proficient in use of technology and loan systems. Effective interpersonal skills, including verbal and written communication skills. Effective analytical skills regarding financial and procedural data. Ability to articulate complex concepts clearly and concisely. Ability to define problems, collect data, establish facts, and draw valid conclusions. Understanding of critical lending documentation, general business systems and internal controls. Ability to work in a fast-paced environment and work well under pressure with a high degree of accuracy. Ability to work independently and prioritize daily tasks. Must be flexible and multi-task, using effective time-management skills to meet deadlines. Ability to adapt to a changing environment and handle multiple priorities. 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.

Additional Information

Preferred Skills:

USDA Related experience highly preferred

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