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Credit Analyst - Alpharetta

Company: Synovus Mortgage Corp.
Location: Alpharetta
Posted on: November 11, 2019

Job Description:

Job Summary: As part of the Community Bank underwriting team, performs duties related to the 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 and questionable issues that are outside of the assigned scope. Performs basic research and financial and statistical analysis to determine and support the clients' credit worthiness. Prepares analysis, reports and presentations for review and approval. Ensures all transactions and processing are in compliance with regulatory and company guidelines, policies and procedures. Job Duties and Responsibilities: Performs duties related to the credit review of commercial manually underwritten loans. Focuses primarily on standard, straight forward loan requests with limited independent decision making. Conducts loan portfolio research to determine credit quality, character and soundness including, but not limited to: analysis of basic statistical data & financial statements, sensitivity analysis, industry analysis, management assessment, guarantor analysis, etc. Ensures the consistent use of well supported and factual analyses and processes to determine and recommend risk ratings. Seeks advice and direction on issues outside of assigned scope or guidelines. 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, if applicable. May assist senior team members and commercial bankers to screen loan packages and collect due diligence materials. May interact with customers and accountants to collect information on routine, non-controversial issues. Provides analytical support for developing and maintaining credit studies, financial background information and other relevant data on present and prospective customers. May assist with the maintenance of management reporting systems, both manual and automated, that provide an accurate and readily available reference library of loan portfolios, clients current and historical data, reports, SOP, etc. Ensures all support documentation, both prepared and submitted, are in compliance and retained in accordance with the company's records retention policy. May participate in a support role to a senior team member for a large and/or complex client portfolio. May work with specific lenders on portfolio management. Proactively prepares for renewals, performs calculation of borrowing bases, monitors covenants, etc. 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 Requirements Preferred Knowledge, Skills, & Abilities: Demonstrated work experience or education in the following areas: Analyzing and interpreting basic financial statements and tax returns Performing diverse analysis and preparing supporting documentation for management review Knowledge of credit risk analysis/underwriting principles, methods, practices and regulatory requirements that are required for the level of work being performed Additional Information Minimum Education: Bachelor's Degree in Business Administration, Finance, Accounting or related discipline or equivalent combination of education and experience Required Knowledge, Skills, & Abilities: Knowledge of financial accounting theory, methodology and logic required for the level of work being performed Proficient at the intermediate level with Microsoft Office applications including Word and Excel Ability to use department credit/lending systems and databases Ability to meet service level agreements Ability to use work flow tool

Keywords: Synovus Mortgage Corp., Alpharetta , Credit Analyst - Alpharetta, Accounting, Auditing , Alpharetta, Georgia

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