Manager, Community Credit Risk Management

Synovus - Tampa, FL

Full-time - Manager

Tampa, FL

Credit Intermediation and Related Activities

About the position

The Manager of Community Credit Risk Management is responsible for overseeing a team that manages underwriting and portfolio management for relationships with a total Synovus Relationship Exposure (TSRE) of $2.5 million or more. This role serves as the first line of defense for the Community Bank's credit risk organization, ensuring that all credit activities align with Synovus's risk framework. The manager will direct the activities of the team, which includes underwriting and structuring new and renewed credit opportunities, providing ongoing credit servicing, monitoring portfolios, and identifying problem loans. The position requires a player/coach mentality, where the manager not only leads the team but also actively participates in underwriting and portfolio management tasks. In this role, the manager will monitor existing credit on a scheduled basis to identify any issues or concerns. They will collaborate with Community Bankers to manage proposed credit requests from clients, recommend credit structures, and provide effective challenges to ensure the quality and profitability of the assigned portfolio. Adherence to Synovus's credit risk philosophy, risk appetite, and lending strategies is crucial. The manager will also serve as an additional point of contact for clients, maintaining a high level of responsiveness and communication. The job involves managing and monitoring a team of Credit Risk Managers (CRMs) responsible for various credit-related activities. This includes assessing credit issues, performance, and industry trends, and providing recommendations to improve structures and mitigate risks. The manager will work closely with senior management to implement policies and procedures, ensuring that underwriting and portfolio management deadlines are met. They will communicate with Division CEOs and Market Executives to ensure that expectations are met regarding underwriting and portfolio management. The role also includes holding team members accountable for performance goals and partnering with Community Banking leadership to achieve satisfactory ratings from Credit Review and external regulators.

Responsibilities

• Manage and monitor a team of CRM's responsible for underwriting and structuring credit opportunities.
• Assess credit issues, performance, and industry trends, providing recommendations to improve structure and mitigate risks.
• Work closely with the Senior Manager to implement policies, procedures, and process changes.
• Ensure underwriting and portfolio management deadlines are met.
• Communicate with Division CEOs and Market Execs to meet expectations related to underwriting and portfolio management.
• Manage workflows and direct the reallocation of work as needed.
• Hold team members accountable for performance goals.
• Partner with Community Banking leadership to achieve satisfactory ratings from Credit Review and external regulators.
• Conduct analysis and structuring of credit requests for clients and prospects.
• Develop client assessments including in-depth analyses of financial data and other information provided by the client.
• Prepare and present quarterly and annual risk reviews and tiering analyses.

Requirements

• Bachelor's degree in Finance, Accounting, or related discipline or equivalent combination of education and 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.
• Strong knowledge of credit and risk principles, mitigating factors, and banking policies and procedures.
• Skill in providing a balanced approach to enable focus on both LOB goals and risk management objectives.
• Skill in implementing and executing strategic solutions and systems in support of Credit Risk and LOB goals and objectives.
• Skill in managing relationships with key stakeholders.
• Skill in building effective, data-driven executive level presentations.

Nice-to-haves

• Experience in financial modeling and stress testing.
• Familiarity with regulatory compliance in banking.
• Ability to work under pressure and meet tight deadlines.

Benefits

• Health insurance
• Dental insurance
• 401k plan with matching contributions
• Paid time off
• Professional development opportunities