Financial Advisor

Job Summary

Develops and manages relationships with closely held businesses (i.e., founder owned, family businesses, private companies, etc.) having annual sales revenue from typically $2.5MM to -$75MM. Provides access to full compliment of commercial depsoit, cash management services, treasury management products and lending services that are tailored to the clients' specific needs. Contributes to bank growth and profitability by expanding client relationshps through advice-driven cross-selling efforts to the bank's other business lines including consumer and wealth segments.

Job Duties and Responsibilities

• Manages assigned client portfolio to retain and expand client relationships. Focus is on assessing client financial needs and providing the appropriate bank products (lending, deposits) as well as introducing clients to SMEs in adjacent areas (wholesale, treasury, wealth, trust, etc.) Meets and exceeds sales goals while delilvering outstanding client service as evidenced by client retention and growth.
• 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, targeting more complex businesses.
• Collaborates with key business partners and subject matter experts to strategize and develop comprehensive relationships.
• Partners with branch manager and serves as the primary point of contact for the business customer. Serves as commercial banking expert 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 and manages difficult credit situations.
• 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, experience and analytical criteria to make decisions and resolve problems; acts independently to determine methods and procedures on new assignments.
• May orient, train, assign, and review the work of lower-level team members.
• 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 committed to fostering an inclusive work environment.

Minimum Education:

Bachelor's Degree in Finance, Accounting, Business Administration or related discipline, or an equivalent combination of education and experience

Minimum Experience:

Ten (10) years job specific work experience

Required Knowledge, Skills, & Abilities:

• Superior sales and advisory skills
• Excellent credit skills
• Strong knowledge of lending guidelines and loan requirements
• Demonstrated experience in managing a complex loan portfolio
• Experience independently managing moderately complex customer relationships and managing some difficult credit situations
• Superior business development calling skills
• Experience independently sourcing new businesses
• Ability to negotiate and influence actions in a professional and effective manner