Business Portfolio Specialist Sr - Synovus
Atlanta, GA 30339
About the Job
Job Summary
Accountable for the management, growth, retention and customer experience of a defined business modification portfolio inclusive of all assigned maturing loans. Operates in a centralized Business Banking Relationship Center as the connection between customers with upcoming loan maturity events, bankers and bank. Effectively manages the maturing loan process for all defined loans to include direct customer contact to explore needs, collect required documentation, negotiate solutions, submit loan modifications and execute closings. Executes portfolio management functions for the maturing loans worked to include the acquisition of documentation, submission and clearing of all loan exceptions as part of the modification process. Actively reviews assigned client relationships via the modification process for relationship review for retention and expansion opportunities. Originates new loan requests related to the loan modification process, new Letters of Credit and executes portfolio management functions for the Consumer Bank Business Portfolio. Utilizes needs-based selling techniques to exceed client needs and grow the overall portfolio. Collaborates across the organization to engage appropriate business partners to satisfy client needs.
Job Duties and Responsibilities
* Manages assigned maturing loans via a queuing system to review current terms, formulate customer proposals, execute direct customer contact to explore renewal options, collect required financial information, review renewal options, submit business loan applications into Genesis and execute appropriate steps to ensure applications are moved through established loan processes from approval to closing. Function inclusive of submission, process management, loan documentation review, scheduling of closing, execution of closing, disbursement of funds, loan upload and quality check post-closing
* Coordinates with the Small Business Lending Center to ensure requests are executed according to established standards to include providing additional information and executing defined banker steps in the business lending process. Reviews associated loan decisions generated by scoring team and reviews, as necessary, for override recommendations and/or counter offers. Negotiates and communicates loan decisions to customers.
* Conducts a full relationship review associated with all managed opportunities by executing a needs-based selling approach to satisfy overall client needs and connect with associated business partners. Maintains proficiency and understanding of business banking products and loan processes, interviews business clients, identifies appropriate products, takes applications and executes loan requests. Understands established credit parameters and understands the loan process applicable to business banking.
* Demonstrates sound knowledge of the various lines of business within the company, such as Credit Cards, Merchant Services and Treasury Management. Works to build line-of-business partnerships to enhance relationships and support teamwork and customer growth. Identifies cross selling opportunities through expert customer profiling using a needs-based selling approach. Demonstrates value to the client and refers to the appropriate Synovus partners.
* Operates as a loan resource for Retail Bankers to assist with questions associated with, but not limited to, loan structure, policy questions, financial requirements and product information.
* Partners with Community Banking, Synovus Securities, Mortgage and Private Wealth Management to ensure ongoing and appropriate client communication to support maximization and satisfaction of client relationship.
* Operates as a subject matter expert to assist members in the Business Banking Relationship Center and Consumer Bank with complex loan/customer requests and escalated problem resolution
* 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 Business Administration, Finance, Accounting or a related field, or an equivalent combination of education and experience.
Minimum Experience:
Three years of business lending exposure inclusive of real estate secured transactions and letters of credit. One year of team lead activities or direct coaching exposure.
Required Knowledge, Skills, & Abilities:
* Ability to provide specialized business client support consisting of complex customer needs for maturing loans to include basic knowledge of credit/loan standard operating policies and procedures, regulatory policies, terminology, methodology and concepts
* Ability to establish rapport with clients and building relationships
* Strong verbal and written communication skills
* Strong customer services skills
* Proficiency suing Microsoft Office products and Salesforce
Equal Opportunity Employer Minorities/Women/Protected Veterans/Disabled