Credit Review Officer, Sr. or Ld
About the position
The Credit Review Officer, Sr. or Ld position involves a comprehensive review of assigned loans across Community, Wholesale, and Retail examinations to evaluate the quality of loan portfolios within specific business lines or portfolio sectors. The role requires a detailed analysis and assessment of underwriting quality, credit administration practices, and the accuracy of risk ratings across various loan types and financial analysis scenarios. The officer will ensure compliance with loan policies and regulatory requirements while collaborating with Account Officers, Credit Risk Managers, and Credit Officers to gather and analyze information necessary for an independent assessment of credit risk that aligns with the bank's credit risk appetite. This position also entails challenging the appropriateness of credit administration and risk rating accuracy when necessary, providing both written and verbal feedback to support findings and conclusions. In this role, the officer will conduct systematic reviews of assigned loans to evaluate underwriting adequacy, the soundness of loan policies and processes, credit monitoring activities, documentation adequacy, collateral evaluation, risk rating accuracy, and problem loan administration. All reviews must measure compliance with loan policies and regulatory requirements. The officer will interact with lending and credit staff, preparing for and participating in loan discussions where risk rating accuracy or other findings may be challenged. Additionally, the officer will produce reports documenting review findings for presentation to department management, following an established structure per department guidelines. Continuous monitoring activities on assigned portfolios are also a key responsibility, along with assisting or serving as Examiner-in-Charge and Team Leader when needed. This includes identifying the scope and plans for resources, conducting and participating in reviews, and overseeing the activities of assigned team members involved in examinations. The officer will maintain a thorough understanding of Synovus Bank's lending policies and procedures to ensure policy compliance during reviews and stay informed about new loan products, industry trends, and regulatory changes. Each team member is expected to be aware of risks within their functional area, observing all policies, procedures, laws, regulations, and risk limits specific to their role, and reporting any known or suspected violations to the appropriate company authority in a timely manner.
Responsibilities
Conducts a systematic review of assigned loans to measure underwriting adequacy, soundness of loan policy and processes, credit monitoring activities, documentation adequacy, collateral evaluation, risk rating accuracy, and problem loan administration.
,
Interacts, verbally or in writing, with lending and credit staff, as necessary, in conjunction with loan reviews.
,
Prepares and participates in loan discussions where risk rating accuracy or other findings are challenged.
,
Produces reports documenting review findings for presentation to department management, following an established structure per department guidelines.
,
Conducts continuous monitoring activities on assigned portfolios.
,
Assists and/or serves as Examiner-in-Charge and Team Leader as needed, including identifying the scope and plans for resources, conducting and participating in the review, and overseeing the activities of assigned team members involved in the examination.
,
Provides verbal presentation of review findings to appropriate audience, primarily department management, division management, lending staff, and regional credit management.
,
Maintains a good working knowledge of Synovus Bank's lending policies and procedures to measure policy compliance during review.
,
Stays informed on new loan products, industry trends, and regulatory changes.
,
Performs other related duties as required.
Requirements
Bachelor's Degree in Business Administration, Finance, Accounting or related discipline, or an equivalent combination of education and experience.
,
3 years CRO II experience or 8 years credit analysis/underwriting experience.
,
Commercial lending, commercial credit, or credit review/examiner experience.
,
Understands how to identify, measure control and monitor risk in Community and Wholesale lending.
,
Experience in credit analysis and familiarity with complex commercial loan documentation.
,
Proven ability to provide objective feedback in a constructive manner.
,
Ability to work independently and maintain objectivity in assessments.
,
Proficient in Excel, Word, lending and risk analyst applications.
,
Strong verbal and written communication skills.
,
Strong analytical, problem solving, deductive reasoning, and organizational skills.
Nice-to-haves
Proficient in Synergy, Lender Workbench and Moody's analytics.
Benefits
Apply Now
The Credit Review Officer, Sr. or Ld position involves a comprehensive review of assigned loans across Community, Wholesale, and Retail examinations to evaluate the quality of loan portfolios within specific business lines or portfolio sectors. The role requires a detailed analysis and assessment of underwriting quality, credit administration practices, and the accuracy of risk ratings across various loan types and financial analysis scenarios. The officer will ensure compliance with loan policies and regulatory requirements while collaborating with Account Officers, Credit Risk Managers, and Credit Officers to gather and analyze information necessary for an independent assessment of credit risk that aligns with the bank's credit risk appetite. This position also entails challenging the appropriateness of credit administration and risk rating accuracy when necessary, providing both written and verbal feedback to support findings and conclusions. In this role, the officer will conduct systematic reviews of assigned loans to evaluate underwriting adequacy, the soundness of loan policies and processes, credit monitoring activities, documentation adequacy, collateral evaluation, risk rating accuracy, and problem loan administration. All reviews must measure compliance with loan policies and regulatory requirements. The officer will interact with lending and credit staff, preparing for and participating in loan discussions where risk rating accuracy or other findings may be challenged. Additionally, the officer will produce reports documenting review findings for presentation to department management, following an established structure per department guidelines. Continuous monitoring activities on assigned portfolios are also a key responsibility, along with assisting or serving as Examiner-in-Charge and Team Leader when needed. This includes identifying the scope and plans for resources, conducting and participating in reviews, and overseeing the activities of assigned team members involved in examinations. The officer will maintain a thorough understanding of Synovus Bank's lending policies and procedures to ensure policy compliance during reviews and stay informed about new loan products, industry trends, and regulatory changes. Each team member is expected to be aware of risks within their functional area, observing all policies, procedures, laws, regulations, and risk limits specific to their role, and reporting any known or suspected violations to the appropriate company authority in a timely manner.
Responsibilities
Conducts a systematic review of assigned loans to measure underwriting adequacy, soundness of loan policy and processes, credit monitoring activities, documentation adequacy, collateral evaluation, risk rating accuracy, and problem loan administration.
,
Interacts, verbally or in writing, with lending and credit staff, as necessary, in conjunction with loan reviews.
,
Prepares and participates in loan discussions where risk rating accuracy or other findings are challenged.
,
Produces reports documenting review findings for presentation to department management, following an established structure per department guidelines.
,
Conducts continuous monitoring activities on assigned portfolios.
,
Assists and/or serves as Examiner-in-Charge and Team Leader as needed, including identifying the scope and plans for resources, conducting and participating in the review, and overseeing the activities of assigned team members involved in the examination.
,
Provides verbal presentation of review findings to appropriate audience, primarily department management, division management, lending staff, and regional credit management.
,
Maintains a good working knowledge of Synovus Bank's lending policies and procedures to measure policy compliance during review.
,
Stays informed on new loan products, industry trends, and regulatory changes.
,
Performs other related duties as required.
Requirements
Bachelor's Degree in Business Administration, Finance, Accounting or related discipline, or an equivalent combination of education and experience.
,
3 years CRO II experience or 8 years credit analysis/underwriting experience.
,
Commercial lending, commercial credit, or credit review/examiner experience.
,
Understands how to identify, measure control and monitor risk in Community and Wholesale lending.
,
Experience in credit analysis and familiarity with complex commercial loan documentation.
,
Proven ability to provide objective feedback in a constructive manner.
,
Ability to work independently and maintain objectivity in assessments.
,
Proficient in Excel, Word, lending and risk analyst applications.
,
Strong verbal and written communication skills.
,
Strong analytical, problem solving, deductive reasoning, and organizational skills.
Nice-to-haves
Proficient in Synergy, Lender Workbench and Moody's analytics.
Benefits
Apply Now