The Role
The Senior Credit Risk Analyst supports bankers in credit risk assessment, conducts in-depth credit analyses, ensures compliance with regulations, and guides junior staff while driving efficiency improvements.
Summary Generated by Built In
Job Summary & Responsibilities
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.Preferred Qualifications
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.
Job Summary:
A 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 Credit Advisor may become eligible to receive lending authority, as determined by the hiring manager.
Job Duties and Responsibilities:
A 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 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. Assist other team members as needed to ensure delivery of distinctive service. Perform other related duties and responsibilities as assigned.
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.
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.
Skills Required
- Bachelor's Degree in Business Administration, Finance, Accounting or related discipline
- Three years of experience as a Wholesale Credit Analyst; or four years of credit analysis experience
- Strong analytic and quantitative skills
- Strong verbal and written communication skills
- Proficiency using Microsoft Office software products including advanced Excel modeling skills
Synovus Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Synovus and has not been reviewed or approved by Synovus.
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Parental & Family Support — Fully paid 12‑week parental and adoption leave is highlighted for eligible mothers and fathers, indicating strong support for family needs. This policy is repeatedly positioned as a standout element of the package.
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Leave & Time Off Breadth — PTO is available from the first day of service and scales with tenure, pointing to accessible and growing time‑off availability. Company materials indicate companywide PTO policies rather than ad‑hoc discretion.
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Equity Value & Accessibility — An employee stock purchase plan includes a 15% company match on contributions (up to a 7% cap by service), providing accessible equity participation beyond base pay. This feature is presented as a notable value‑add in the package.
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The Company
What We Do
Synovus is a full-service, top-performing mid-cap bank with over $57 billion in assets and $7.3 billion in capital and has been named one of Newsweek’s Most Trustworthy Companies. Our purpose is to enable people to reach their full potential, and we pursue that aspiration in all the communities we serve across the Southeast and beyond. Whether you’re a prospect, client, or team member, we know you have goals you want to reach. We’ll help you get there
