Community Bank Portfolio Mgr II​/III

Overview

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The role involves assisting with the day-to-day management of relationships with TSRE less than $5MM as the first line of defense for the Community Bank's credit risk organization and assisting with the renewal process, including collecting information needed for the renewal and proper loan structuring; providing ongoing credit servicing; portfolio monitoring; and problem loan identification within the Synovus risk framework. It also supports Community Banking partners with managing existing commercial customer portfolios, monitoring credits for issues or concerns, performing financial calculations to support ongoing risk management, facilitating the credit renewal process, and assisting with new credit requests.

The position serves as an additional or primary point of contact for customers, maintaining a high level of responsiveness for existing credit facilities.

• Responsible for ongoing credit servicing, portfolio management, problem loan identification, and remediation within the Community Bank for relationships with TSRE less than $5MM. Manages the renewal process to assist bankers. Assesses credit issues, performance and industry trends, appropriateness of structural terms and conditions, and provides recommendations to improve structure and mitigate risks for renewals. Works closely with the Senior Manager to ensure proper implementation of policies, procedures, strategies, and process changes.
• Monitors existing credit daily for issues or concerns and conducts monthly, quarterly, and annual credit reviews as required.
• Reviews status of current accounts (past due, maturities, renewals). Notifies the community banker and interacts with the customer where necessary.
• Performs ongoing client performance reviews, including industry research and peer comparisons, and initiates discussions with community bankers to ensure customers’ positive operating performance and ability to meet 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 high level customer service with emphasis on obtaining and retaining high income customers.
• Develops assessment of client, competitor and industry risks and trends with community bankers. Requires in-depth analysis of financial data and other information from the client, plus supplemental analysis from research and evaluations.
• Collaborates with community bankers, agent bank officers, and bank attorney on loan documentation and closing for new large, complex facilities. Coordinates with administration operations officer on booking deals and setting up loan monitoring procedures and loan system setup for ongoing monitoring.
• Ensures all transactions comply with regulatory and company guidelines, policies and procedures.
• Maintains monitoring reports and uploads pertinent approval documentation to facilitate internal loan and regulatory review.
• Assists in cross-selling efforts and performs special projects related to portfolio dynamics or department manager initiatives.
• Supports training and development of Community Banker Associate team members and provides guidance to Community Portfolio Managers I as part of their growth.
• All team members should be aware of risk within their area, observe policies and laws, and report known or suspected violations in a timely manner.
• Performs other related duties as required.

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

• Two (2) years experience as a Portfolio Manager I, or three (3) years of credit analysis or commercial banking experience

• 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…