Commercial Bank Portfolio Manager
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POST DATE 10/24/2019
END DATE 1/11/2020
Synovus Financial Corp.
Boca Raton, FL
JOB DESCRIPTIONJob Summary:
Responsible for the day-to-day management of existing large customer portfolios in high growth markets, having a complex degree of difficulty. Monitors existing credit on a scheduled basis for issues or concerns. Works with Community Bankers to handle proposed credit requests from customers. Facilitates the documentation and closing process for new large, complex credit facilities, ensuring that the loans are properly set up on the loan systems for accurate ongoing monitoring.
Job Duties and Responsibilities:
Oversees and manages a base of customer relationships to ensure compliance with loan approvals and loan documentation. This may include collecting necessary financial data, financial modeling for verification and understanding of past and future performance, analysis, presentation, recommendation, and completion of waivers and amendments.
Monitors existing credit on a daily basis for issues or concerns and conducts monthly, quarterly, and annual credit reviews as required.
Reviews status of current accounts to include, but not limited to, past due accounts, maturities, and renewals. Notifies community banker on these matters and interacts with the customer where necessary.
Performs ongoing reviews of client performance, including industry research and peer comparisons, and initiates discussions with community bankers to ensure customers' positive operating performance and ability to meet their obligations. Notifies community bankers immediately of any deterioration in operating performance.
Supports community bankers in working with large and/or complex Community Banking customers to handle existing and proposed credit requests, providing a high level of customer service support, with an emphasis on obtaining and retaining high income customers.
Works with community banker associates to develop an assessment of client, competitor and industry risks and trends. Requires complete in-depth analysis of financial data and other information provided by the client, and supplemental analysis with research and evaluations from a wide variety of sources .
Works with community bankers, agent bank officers, and bank attorney on the loan documentation and closing process for new large, complex credit facilities. Interfaces with the administration operations officer on the booking of new deals, setting up appropriate loan monitoring procedures, and ensuring proper set up on the loan systems for accurate ongoing monitoring.
Ensures all transactions and processing are in compliance with regulatory and company guidelines, policies and procedures.
Conducts review and maintenance of monitoring reports and uploading of pertinent approval documentation to ensure that loan information is in place to facilitate internal loan and regulatory review.
Assists in cross selling efforts and performs special projects related to individual portfolio dynamics or projects for the department manager.
Assists in the training and development of Community Banker Associate team members, and provides guidance and counsel to Community Portfolio Managers I as part of their ongoing growth.
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.
Minimum Education: Bachelor's degree in Business Administration, Finance, Accounting, or related field, or an equivalent combination of education and experience
Minimum Experience: Either successful completion of the Synovus Accelerated Banker Associate Program and two (2) years experience as a Portfolio Manager I, or five (5) years of credit analysis or commercial banking experience
Required Knowledge, Skills, & Abilities:
Proficient with Microsoft Word, Excel, and PowerPoint, including Excel modeling and Moody's statement models
Strong oral and written communication skills
Strong customer service skills
Ability to understand the core competencies of a business and recognize deviation from those principals
Strong organizational skills
Ability to gather information and provide appropriate solutions
Ability to communicate effectively with potential, new, and established client groups
Ability to work in a group environment with a number of different individuals, both senior and junior
Ability to create, build, and maintain effective and mutually beneficial business relationships with key commercial clients
Ability to maintain confidentiality of secured information
Ability to work in a competing and demanding market
Ability to work in a goal focused team environment