Job Description: |
Job Summary:
Manages the activities in the credit department. Responsible for and oversees the underwriting process for the commercial and commercial real estate loan portfolios. Oversees the processing and verification of applications for credit. Reviews analysis for credit transactions prepared by analysts and provides guidance and daily management of analysts to oversee a regional commercial loan portfolio. Provides credit guidance to lenders, presentation of credit reviews to executives and assistance as needed to Regional Commercial Risk Managers.
Job Duties & Responsibilities:
¦ Manages the underwriting process for the commercial and commercial real estate loan portfolios by organizing and prioritizing new loan requests and renewals and conducting the annual reviews of financial statements spreads. Oversees budget, assets and portfolios.
¦ Provides oversight for Credit Analysts to ensure that the bank maintains current borrowers information, annual reviews are completed, the grade is reaffirmed and any affirmative covenants are tested.
¦ Assists credit analysts in communications/discussions with Relationship Managers regarding credit decisions and proposed credit structures, may personally underwrite larger and more complex loan relationships, prepare credit packages and recommend credit grades.
¦ Reviews underwriting analysis prepared by credit analysts and assists analysts with problem loan identification and/or the determination of appropriate action plans.
¦ Responsible for training and mentoring new or junior analysts in analyzing financial statements, identifying strengths, weaknesses or risks and underwriting loan relationships proficiently. Sets and monitors goals and prepares personnel evaluations for new or junior analysts.
¦ Provides assistance as needed to Regional Manager, Commercial Risks, Officers and Managers, including assistance in communicating Synovus loan policies and documenting and tracking exceptions to policies. May provide Lenders with credit guidance, and present credit reviews to Committee and/or Board members as requested.
¦ Interacts primarily with customers and peer managers in other functional areas, and interacts with senior management; interactions normally involve coordination or resolutions of matters between functional areas. Erroneous decisions can result in additional costs and personnel and delays in achieving departmental objectives.
¦ Manages the day to day activities of the Credit department. Provides leadership, direction and growth opportunities to members of the department, performing those responsibilities in accordance with the Company's policies and applicable laws. Responsible for interviewing, hiring, planning, assigning or directing work, appraising performance, disciplining employees and addressing complaints and resolving problems. Works with Human Resources Department to resolve more complex employee related issues.
¦ Performs other related duties as required. |