Credit Analyst II - Synovus (Valdosta, Georgia)

City: Valdosta
State: Georgia
Country: USA
Zipcode: 31604

Company Name: Synovus
Job Category: Other

Original Posting date:
Job Title: Credit Analyst II
Area of Interest: Other Financial Services
Requisition Number: 533
Company: Synovus Financial Corp-Company
Location: 990-Inner Perimeter Rd-MO
City: Valdosta
State: Georgia
Country: U.S.
Full-Time/Part-Time: Full Time
Shift: First
Minimum Requirements: Education Required:
Bachelors Degree in Finance, Accounting or Related Discipline
Required Skills:
2 years job related experience
Demonstrated work experience in analyzing and interpreting basic financial statements and tax returns
Knowledge of credit risks analysis and underwriting principles, methods and practices
Knowledge of regulatory requirements
Basic proficiency with Microsoft Office applications to include Word, Excel and other database application systems
Demonstrated competency and experience in developing solutions to basic credit related issues
Additional Job information: -
Job Description: Job Summary:
Performs duties with limited independent decision making ability within the frame work of the job's primary duties and responsibilities. Refers to documented policies, procedures and SOP to guide and support the decision making process. Seeks the advise of senior team members on more complex and questional issues, outside of the assigned scope. Performs basic research, financial and statistical analysis to determine and support the clients' credit worthiness. Prepares, analysis, reports and presentation for review and approval. Ensure all transactions, and process are in compliance with company and regulatory guidelines, policies, procedures, etc. May particiate in a support role to a senior team member, large and/ or complex client portfolio.
Job Duties/Responsibilities:
1. Conducts loan portfolio research to determine the quality, character and soundness of lending services, includes 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 advise and direction on issues outside of assigned scope or guidelines.
2. Ensure the following standard operating procedures are met when preparing analyses, reports, and presentations for management review: accurate spreading of historical financial statements, prudently prepared projections, free of repetitious spread numbers and superfluous narrative, and represents a clear focus on the merits, risks, and mitigates accordingly. Ensures each step of the process is in compliance with all company and regulatory guidelines, policies, procedures and methodology.
3. Assist senior team members and commercial bankers to screen loan packages, collect 'due diligence' materials. May interact with customers and accountants, collecting information on routine, non-controversal issues. Provide analytical support developing and maintaining, credit studies, financial background information and other relevant data on present and prospective customers.
4. Assists with the maintenance management reporting systems both manual and automated, that provides an accurate and readily available reference library of loan portfolios, client current and historical data, reports, SOP, etc. Ensures all support documentation both prepared and submitted are incompliance and retained in accordance with the company's records retention policy.
5. Performs other duties as required.
About Synovus:
Synovus (NYSE: "SNV") is a financial services holding company with more than $35 billion in assets based in Columbus, Georgia. Synovus provides commercial and retail banking, as well as investment services, to customers through 30 banks, 440 ATMs, and other Synovus offices in Georgia, Alabama, South Carolina, Florida and Tennessee. The company focuses on its unique decentralized customer delivery model, position in high-growth Southeast markets and commitment to being a great place to work to ensure the delivery of unparalleled customer experiences.
In order to become a team member, all candidates must pass several background checks to include Credit, Criminal Background, Drug Screen, Reference Checks, Finger Print Checks, and others.
Synovus Financial Corp. is an Equal Opportunity Employer supporting Diversity in the workplace. M/F/D/V. Synovus Financial Corp. is a tobacco-free company. In order to be considered for this position, candidates must be eligible to work in the U.S. and will not need sponsorship from the employer now or in the future, in order to obtain, extend or renew authorization to work in the United States.
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