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Business Banking Specialist
Synovus
Atlanta, GA, United States
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Job Description
Job Summary:
Accountable for the management, growth, retention and customer experience of a defined small business portfolio inclusive of loans, deposits and associated lines of business. Operates in a centralized Business Banking Relationship Center as the connection between Business Bankers and the small business client to include, but not limited to, the management of new small business opportunities, portfolio reviews, lead management, customer expansion and customer retention. Works directly with Business Bankers throughout the retail footprint to ensure new and existing small business clients are actively engaged and managed according to defined client service expectations. Utilizes needs-based selling techniques to exceed client needs and grow the overall portfolio. Collaborates across the organization to engage appropriate business partners to satisfy client needs.
Job Duties and Responsibilities:
• Oversees and manages a base of customer relationships to ensure compliance with current loan processes and standards to mitigate associated risk. Works with Retail Bankers to manage associated, identified opportunities for customers and prospects by direct communication with the client and/or banker to discuss options, collect necessary financial documentation, customer documentation and understand past and future performance.
• Enters small business loan applications into Genesis and executes appropriate steps to ensure applications are moved through established loan processes from approval to closing. Coordinates with the Small Business Lending Center to ensure requests are executed according to established standards to include providing additional information and executing defined banker steps in the small business lending process. Reviews associated loan decisions generated by scoring team and reviews, as necessary, for override recommendations and/or counter offers. Communicates loan decisions to Retail Bankers and clients.
• Demonstrates sound knowledge of the various lines of business within the company, such as Credit Cards, Merchant Services and Treasury Management. Works to build line-of-business partnerships to enhance relationships and support teamwork and customer growth. Identifies cross selling opportunities through expert customer profiling using a needs-based selling approach; demonstrates value to the client and refers to the appropriate Synovus partners.
• Conducts a full relationship review associated with all managed opportunities by executing a needs-based selling approach to satisfy overall client needs and connect with associated business partners. Maintains proficiency and understanding of business banking products and loan processes, interviews business clients, identifies appropriate products, takes applications and executes loan requests. Understands established credit parameters and understands the loan process applicable to small business banking.
• Proactively manages loan renewals inclusive of client contact, gathering of appropriate financial documentation, relationship review and execution of renewal process in Genesis. Successfully conducts outbound phone calls to customers and prospects for relationship expansion, new acquisition and other related activities. Supports sales campaigns and other bank initiatives.
• Operates as a loan resource for Retail Bankers to assist with questions associated with, but not limited to, loan structure, policy questions, financial requirements and product information.
• 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:
• Prefer prior outside business development experience or business development experience in a call center/phone environment
• Knowledge of Synovus's lines of business and department specific databases and systems