Manager, Community Credit Risk Management

Job SummaryManages the activities of a team responsible for underwriting and portfolio management of relationships with total Synovus Relationship Exposure (TSRE) of $2.5MM+ as the first line of defense for the Community Bank's credit risk organization. Directs the activities, and develops the team responsible for the underwriting and structuring of new and renewed credit opportunities, providing ongoing credit servicing, portfolio monitoring, and problem loan identification within the Synovus risk framework. Carries player/coach mentality while also working with assigned Bankers and contributing to team tasks of underwriting and portfolio management. Monitors existing credit on a scheduled basis for issues or concerns. Works with Community Bankers to manage proposed credit requests from clients. Recommends credit structures and provides effective challenge while ensuring quality and profitability of assigned portfolio. Ensures adherence to the Synovus credit risk philosophy, risk appetite and lending strategies. Serves as an additional point of client contact, maintaining a high level of responsiveness.Job Duties and Responsibilities• Manages and monitors a team of CRM's responsible for the underwriting, structuring, performing ongoing credit servicing, portfolio management, problem loan identification, and remediation activities within the Community Bank for relationships with TSRE $2.5MM+. Assesses credit issues, performance and industry trends, appropriateness of structural terms and conditions and provides recommendations to improve structure and mitigate risks. Works closely with the Senior Manager to ensure proper implementation of policies, procedures, strategies, and process changes. Works closely with the team to ensure underwriting and portfolio management deadlines are met. Communicates with Division CEOs and Market Execs to ensure expectations are being met as it relates to underwriting and portfolio management. Manages workflows and directs the reallocation of work as needed; stays up-to-date on pipeline. Holds team members accountable for performance goals.• Partners with Community Banking leadership to achieve satisfactory or better ratings from Credit Review and external regulators. Meets targets for annual reviews, risk ratings, covenant compliance monitoring, and borrowing base monitoring along with other credit dashboard metrics. Partners with the Community Banking line-of-business leaders, credit officers and workout colleagues on deteriorating credits. Creates and maintains strong working relationships with key Community Banking stakeholders including Credit Officers, Relationship Management Leaders, Loan Operations, and Human Resources.• Conducts analysis and structuring of credit requests for clients and prospects. Develops client assessments including in-depth analyses of financial data and other information provided by the client. Conducts projection modeling, stress testing and other analyses using research and evaluations from a wide variety of sources. Assesses deal strengths and weaknesses and risk factors. Evaluates and establishes risk ratings for transactions and correlates exposure levels as a part of the client strategy discussion. Completes and coordinates memos (e.g., Deal Concept Memo/ LAF) using established processes and materials. Prepares thorough servicing reviews on a periodic basis and participates in the risk rating verification process. Works with Bankers and Credit partners regarding risk rating overrides. Conducts timely compliance and credit review (e.g., quarterly, annually) for Bankers. Completes spreads and also forwards statements for spreading and ensures upload to internal databases/systems.• Monitors tickler and exception reports to manage flow of financial reporting and client compliance with covenants. Provides a cohesive and comprehensive approach to review ratings, risk assessment, portfolios, clients and industries in assigned sector. Prepares and presents quarterly and annual risk reviews and tiering analyses. Assigns risk ratings and maintains updated credit research on portfolio of clients. Works with Bankers, agent bank officers, and bank attorney on the loan documentation and closing process for new large, complex credit facilities.• Collaborates with Bankers and other business teams (e.g., Treasury, Cards) to drive and own the renewal process including engaging with clients to understand future business objectives and credit related needs; and meeting client credit requests and assists in efforts to identify cross-sell opportunities. Partners with loan officers to assist in new business development and prospecting efforts including screening new loan packages. May travel to customer locations with loan officers.• Spreads financial statements and works with Dual Risk Rating team. Conducts research to determine credit quality, character and soundness including analysis of extensive statistical data and financial statements, sensitivity analysis, industry analysis, guarantor analysis, and management assessment. Works with specific lenders to conduct loan portfolio management activities including proactively preparing calculation of borrowing bases, and monitoring loan covenants. Owns the process to monitor the receipt of borrowing base and covenant compliance from clients. Initiates discussions as needed with Bankers to ensure customers' positive operating performance and ability to meet obligations. Notifies bankers of any deterioration in operating performance. Submits periodic reporting and servicing.• Manages the annual performance management and merit processes for direct and indirect reports. Coaches and develops team members and builds a work environment where team members are engaged and feel a positive sense of achievement about their role in the company. Works closely with Human Resources regarding employee relations, compensation, training, posting and filling vacant positions and other Human Resources related matters.• 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 workplaceMinimum Education:• Bachelor's degree Bachelor's degree Finance, Accounting, or related discipline or equivalent combination of education and experience.Minimum experience:• Seven years of experience in commercial lending, loan structuring, credit analysis, underwriting, and portfolio management; Three years of experience in a team management/leadership role.Required Knowledge, Skills, & Abilities:• Strong knowledge of credit and risk principles, mitigating factors, and banking policies and procedures.• Skill providing a balanced approach to enable focus on both LOB goals and risk management objectives• Skill implementing and executing strategic solutions and systems in support of Credit Risk and LOB goals and objectives• Skill managing relationships with key stakeholders.• Skill building effective, data driven executive level presentations, summarizing complex issues to highlight key takeaways.• Skill presenting complex ideas and solutions in an organized and compelling manner.• Able to multi-task and function under pressure to meet deadlines. Exceptional written and verbal communication skills.• Exceptional written and verbal communication skills.