Commercial Underwriter

Job Summary:

Performs credit review of manually underwritten commercial loans. Refers to documented policies and procedures to guide and support the review and decision making process. Seeks the advice of senior team members on more complex issues outside of assigned scope. Performs research and financial and statistical analyses to determine and support client credit worthiness while minimizing risk exposure. Prepares analyses, reports and presentations for management review and regulatory reporting. Ensures all transactions and processing are in compliance with regulatory and company guidelines, policies and procedures.

Job Duties and Responsibilities:

• Performs credit review of commercial manually underwritten loans, with a primary focus on straightforward renewals. May assist with manual underwriting of new standard loans.
• Applies knowledge of the credit/risk management processes to ensure the appropriate balance between company risk and customer/client focus and relationship is maintained.
• Concentration is on learning portfolio management and exceptions, with emphasis on Credit Service Reviews
• Spreads financial statements, may work with Dual Risk Rating, and may perform Credit Service Reviews. Conducts loan portfolio research to determine credit quality, character and soundness including analysis of extensive statistical data and financial statements, sensitivity analysis, industry analysis, management assessment, and guarantor analysis.
• Ensures the consistent use of well supported and factual analyses and processes to determine and recommend risk ratings.
• Follows standard operating procedures when preparing analyses, reports, and presentations for management review. Performs accurate spreading of historical financial statements.
• Prepares prudent projections, free of repetitious spread numbers and superfluous narrative and represents a clear focus on the merits, risks, and mitigating factors accordingly.
• Ensures each step of the process is in compliance with all company and regulatory guidelines, policies, procedures and methodology. Stays abreast of variations in laws across state boundaries as applicable
• May provide advice to loan officers in preparation for their client meetings.
• Provides analytical support for developing and maintaining credit studies, financial background information and other relevant data on present and prospective customers.
• Analyzes present and proposed lending and recommends optimum course of action to maximize profitability, while providing a complete risk/delinquency analysis.
• May work with specific lenders on portfolio management. Proactively prepares for renewals, performs calculation of borrowing bases, monitors covenants, etc.
• May provide assistance to senior team members for more complex and diverse portfolios.
• 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 discipline or an equivalent combination of education and experience.

Minimum Experience:

• One year of relevant banking experience including analyzing and interpreting basic financial statements and tax returns, and preparing supporting documentation.

Required Knowledge, Skills, & Abilities:

• Knowledge of credit risk analysis/underwriting principles, methods, practices and regulatory requirements
• Knowledge of financial accounting theory, methodology and logic
• Proficient at the intermediate level in department credit/lending systems and databases
• Ability to meet reasonable deadlines and prioritization of workflow.
• Ability to use work flow tool
• Good verbal and written communication skills
• Proficiency using Microsoft Office software products