Commercial Banker II/III/IV/V - Synovus

Job Summary:

Develops and manages relationships with businesses having annual sales revenue from $2.5MM to <$35MM. In designated markets where a business banking strategy has been established, focus is on small businesses having annual sales revenue from $2.5MM to <$10MM. Provides a variety of commercial loan products and loan services based on complexity of customers' needs. Contributes to bank growth and profitability by growing deposits and providing other financial services through either direct or cross-selling efforts; refers prospects to Retail, Corporate, FMS and CRE. Serves as business banking expert for a branch or a group of branches.

Job Duties and Responsibilities:

* Manages assigned portfolio and retains and strengthens current relationships. Focus is on commercial lending opportunities, but also pursues, develops, and services a wide variety of financial products. Meets and exceeds sales goals in deposits, loans, fee income and referrals.

* Develops new and existing customer relationships through networking, cross-selling opportunities and referrals to and from business product partners within the bank. Establishes and maintains comprehensive referral network to generate new client relationships. May assist higher-level commercial bankers with business development efforts.

* Partners with branch manager and serves as the primary point of contact for the business customer. Serves as commercial banking expert for a branch or a group of branches.

* May generate SBA loans by proactively creating, developing and maintaining internal/external relationships.

* Proactively manages customer relationships by identifying financial needs, delivering solutions to meet the needs, and delivering quality customer service.

* Reviews applicant financial data to evaluate credit worthiness and assists with difficult credit situations.

* Negotiates terms and makes decisions on loans within limits or makes recommendations. Monitors outstanding loans to ensure ongoing credit worthiness.

* Represents Synovus within the community by actively serving in community organizations, participating in local chambers of commerce and other related leadership activities.

* Adheres to established loan policies and procedures. Works with commercial credit approval process to ensure that underwriting and credit quality standards are implemented and maintained.

* Uses professional knowledge and follows standard procedures to analyze information, determine course of action and resolve problems.

* 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 Finance, Accounting, Business Administration or related discipline, or an equivalent combination of education and experience

Minimum Experience: Three (3) years job specific work experience

Required Knowledge, Skills, & Abilities:

* Proficient sales and advisory skills

* Demonstrated credit skills

* Knowledge of lending guidelines and loan requirements

* Previous experience managing a loan portfolio

* Experience managing customer relationships

* Results driven business development calling skills

* Experience independently sourcing new business

* Ability to negotiate and influence actions in a professional and effective manner

Equal Opportunity Employer Minorities/Women/Protected Veterans/Disabled