Associate Commercial Banker

Job Description

Job Summary :

Works with more senior-level Commercial Bankers to develop and manage relationships with commercial customers. Provides a variety of commercial loan products and loan services based on complexity of customers' needs.

Contributes to bank profitability and growth by growing deposits and providing other financial services through either direct or cross-selling efforts.

May begin to serve as business banking resource for a branch or a group of branches.

Job Duties and Responsibilities :

• Works with more senior-level bankers on renewals, new business development, industry analysis and other aspects of managing and growing a portfolio.
• Begins to manage assigned portfolio and retains and strengthens current relationships. Focus is on commercial lending opportunities, but also pursues, develops, and services a wide variety of financial products.

Assists more senior bankers in meeting sales goals in deposits, loans, fee income and referrals.

Develops new and existing customer relationships through networking, cross-selling opportunities and referrals to and from business product partners within the bank.

Establishes and maintains comprehensive referral network to generate new client relationships. May assist higher-level business bankers with business development efforts.

• May partner with branch manager and serve as a point of contact for the business customer. May serve as business banking resource for a branch or a group of branches.
• May generate SBA loans by proactively creating, developing and maintaining internal / external relationships.
• Proactively manages customer relationships by identifying financial needs, delivering solutions to meet the needs, and delivering quality customer service.
• Reviews applicant financial data to evaluate credit worthiness.
• Negotiates terms and makes decisions on loans within limits or makes recommendations. Monitors outstanding loans to ensure ongoing credit worthiness.
• Represents Synovus within the community by actively serving in community organizations, participating in local chambers of commerce and other related leadership activities.
• Adheres to established loan policies and procedures. Works with commercial credit approval process to ensure that underwriting and credit quality standards are implemented and maintained.
• Uses professional knowledge and follows standard procedures to analyze information, determine course of action and resolve problems.
• 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. Shift First Alternate Location Minimum Requirements Minimum Education : Bachelor's Degree in Finance, Accounting, Business Administration or related discipline

Minimum Experience : Completion of the Synovus Commercial Management Associate Program or three years of job-related commercial loan experience as a credit analyst or in a comparable position

Required Knowledge, Skills, & Abilities :

• Completion of Management Associate Program or three years job-related commercial loan experience
• Developing sales and advisory skills
• Results driven business development calling skills
• Ability to negotiate and influence actions in a professional and effective manner
• Demonstrated credit / underwriting skills
• Intermediate knowledge of Microsoft Office with emphasis on Excel

Additional Information Preferred Knowledge, Skills, & Abilities :

• Knowledge of Synovus Loan Policy
• Knowledge of Synovus credit underwriting forms and procedures

This job is available only for graduates of the Commercial Management Training program or, for any other candidate, with the express approval of the EVP, Chief Community Banking Officer.