Senior Manager, Wholesale Credit Risk Oversight

1 week ago

Coral Gables, Florida, United States Synovus Full time
Job Description

Job Summary:

Oversees the operations of teams tasked with managing the Wholesale Banking portfolio, which includes the evaluation, structuring, and sanctioning of new and renewed credit opportunities. This role involves continuous credit servicing, portfolio oversight, and the identification of problematic loans within the Synovus risk framework. May also manage a specific portfolio. Provides strategic direction and monitors team performance objectives, making necessary adjustments as risk appetite evolves. Cultivates and mentors team members, staying attuned to industry trends and market shifts. Ensures the team is informed about emerging risks and market prospects.

Key Responsibilities:
  • Reviews, approves, and effectively challenges credit requests within the assigned portfolio, including new loans, renewals, amendments, modifications, and restructures. Ensures that credit requests adhere to prudent risk standards and comply with Synovus policies and procedures.
  • Evaluates credit challenges, performance metrics, and industry trends, assessing the appropriateness of structural terms and conditions while providing recommendations to enhance structure and mitigate risks. Acts as a coaching resource for client selection, loan structuring, underwriting, and servicing, serving as a subject matter expert on high-risk transactions and leveraged lending.
  • Fosters an environment where team members are empowered and engaged in delivering credit solutions to clients and prospects, promoting strong collaboration with bankers in Wholesale Banking lines of business. Ensures teams receive adequate training and education on industry-specific risk identification and management.
  • Leads workflow enhancement initiatives, optimizes resource allocation, and creates an environment conducive to achieving Wholesale Banking's objectives and budget. Collaborates closely with Senior Director or Director in the formulation and execution of policies, procedures, strategies, and process modifications.
  • Establishes a robust control and early warning system through timely portfolio and financial assessments, ratings evaluations, collateral monitoring, and tickler reporting to ensure regulatory compliance and maintain portfolio integrity.
  • Utilizes insights from the business sector's supply and demand dynamics, along with cycle position considerations by industry sector, to proactively manage exposures. Monitors industry trends and shifts to maintain a forward-looking perspective on the industry, identifying new risks and opportunities.
  • Acts as a liaison and collaborates with Wholesale Banking leadership to secure satisfactory or better ratings from Credit Review and external regulators. Achieves targets for annual reviews, risk ratings, and covenant compliance monitoring.
  • Collaborates with Senior Director, Wholesale Banking line-of-business leaders, credit officers, and workout colleagues regarding deteriorating credits. Builds and maintains strong working relationships with key stakeholders, including Credit Officers, bankers, Loan Operations, and Human Resources.
  • Partners with product and operations business units to proactively address issues, ensuring revenue opportunities are maximized and customer satisfaction is upheld.
  • Manages the daily operations of the Credit Risk team as assigned. Provides leadership, direction, and growth opportunities for team members, performing these responsibilities in accordance with the Company's policies and applicable laws. Responsible for interviewing, hiring, planning, assigning or directing work, appraising performance, disciplining team members, and resolving issues. Collaborates with the Human Resources Department to address more complex team member-related matters.
  • Each team member is expected to be cognizant of risks within their functional area, including adherence to all policies, procedures, laws, regulations, and risk limits specific to their role. Additionally, they should promptly report known or suspected violations to the appropriate Company authority.
  • Performs other related duties as necessary.
The information in this description is intended to convey the general nature and level of work performed by employees in this classification. It is not designed to be an exhaustive inventory of all duties, responsibilities, and qualifications required of employees assigned to this role.

Synovus is an Equal Opportunity Employer supporting diversity in the workplace.

Minimum Requirements

Minimum Education:
  • Bachelor's degree in Finance, Business Administration, Accounting, or a related field, or an equivalent combination of education and experience.
Minimum Experience:
  • Ten years of experience in portfolio management, including credit analysis, structuring, underwriting, and approving loans across various sectors. Experience in a team management or leadership role is essential.
Required Knowledge, Skills, Abilities:
  • Strong understanding of general credit and risk principles, mitigating factors, and banking policies and procedures.
  • Ability to provide a balanced approach that enables focus on both business unit goals and risk management objectives.
  • Skill in developing and executing strategic solutions and systems that support Credit Risk and business unit goals and objectives.
  • Able to manage multiple tasks and function under pressure to meet deadlines.
  • Strong written and verbal communication and negotiation skills.
  • Flexible change agent capable of leading both process and organizational changes.

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