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Credit Advisor

Company: Pinnacle Financial
Location: Charlotte
Posted on: January 16, 2022

Job Description:

At Pinnacle, our goal is to create an atmosphere where associates are fully engaged, enjoy what they're doing and are successful. We work to ensure that every associate embraces what makes Pinnacle different and excellent. For us, it starts with hiring the right people.


  • We hire like-minded people who share our values of Integrity, Fairness, Learning, Results, Partnership, Balance and Discipline.
  • We hire experienced professionals who understand the industry and provide effective advice.
  • We hire people who demonstrate a passion for client service. People who understand that distinctive service is more than smiling and being friendly - it's about creating a client experience that is unmatched.

    But attracting the right people is only half the battle. We have to ensure that every associate understands their actions affect the outcomes of the firm. Our Position Descriptions are not designed to list every aspect of a position but to serve as a general overview.
    SUMMARY OF POSITION:
    A Credit Advisor should demonstrate commitment to delivering distinctive service. The position will be responsible for providing the credit analysis and underwriting for new and renewed credit requests. This position is also responsible for ongoing portfolio management and preparation of underwriting documentation.
    PRIMARY RESPONSIBILITIES:

    • Provide distinctive service to clients and prospects, in person and over the telephone. Respond to client inquiries and satisfactorily resolve client issues. Support firm-wide achievement of the three-ring standard (all phones answered by a live person within three rings).
    • Give front end guidance on new and renewed credit requests including desirability of the credit related to Pinnacle's credit appetite, structure, documentation, and monitoring.
    • Contribute to the timely response of requests by providing the essential yet sufficient financial package, analysis and Capital Stream information to the credit approving team.
    • Provide accurate underwriting support to Financial Advisors through financial spreading, written analysis, Global CF analysis, industry analysis, projections, collateral evaluation, and credit risk grade.
    • Engage in prospect and client calls.
    • Exhibit willingness and ability to "weigh in" on the credit decision.
    • Ensure that Credit Authorization Forms (CAF's) and Reviews on Capital Stream adequately support the credit exposure and provide sufficient written analysis to support the assigned risk rating and recommendations
    • Set the ticklers on Capital Stream for Critical Actions such as borrowing bases, compliance certificates, and financial reporting.
    • Complete the CAF's and Periodic Reviews timely and accurately on the Capital Stream system.
    • Perform calculation and testing of financial covenants, borrowing bases and margin requirements as required addressing and communicating any issues that warrant discussion such as defaults, variances from projections, over advances, potential risk rating changes (up or down)
    • Ensure that appropriate front end cost analysis has been evaluated on construction loans; where aligned with construction funding group and as appropriate to ensure that construction loan draws have proper documentation and are funded according to loan agreement. Ensure that an appropriate Net Operating Income (NOI) analysis has been completed to support the requested loan amount for income producing property, as applicable.
    • Review the monthly KPI reports available on the intranet each month ensuring accuracy and discussing results with the appropriate Senior Credit Officer.
    • Meet all the client's financial needs, both business and personal, and refers clients to other specialty areas such as Trust, Investments, Insurance, Treasury Management, etc. as appropriate.
    • Assist other team members as needed to ensure delivery of distinctive service.
    • Perform other related duties and responsibilities as assigned.

      DESCRIPTION OF EXPERIENCE, EDUCATION, AND TRAINING:

      • High School Diploma or Equivalent - College degree is preferred - accounting, economics, finance, or business-related field.
      • Minimum of 10 years' experience in financial services.
      • Proficient in Microsoft Office (Word, Excel, and PowerPoint) or related software.
      • Thorough knowledge and understanding of the lending process.
      • Knowledge of federal banking regulations, compliance, policies, and procedures.
      • Proficient in the use of Capital Stream (credit origination system).

        DESCRIPTION OF CAPABILITIES, PHYSICAL REQUIREMENTS, AND ABILITIES:

        • Effective interpersonal skills, including verbal and written communication skills.
        • Effective analytical skills in order to analyze financial and procedural data.
        • Ability to define problems, collect data, establish facts, and draw valid conclusions.
        • Ability to manage and prioritize tasks including the acceptance and timely completion of projects and assistance of teammates.
        • Ability to articulate complex concepts clearly and concisely.
        • Ability to work independently and prioritize daily tasks.
        • Ability to work in a fast-paced environment and work well under pressure with a high degree of accuracy.
        • Understanding of critical lending documentation, general business systems and internal controls.
        • Excellent client service skills. Tact and diplomacy in dealing with both clients and associates.
        • The physical activities of this job include but are not limited to the ability to stand and sit for prolonged periods of time, use of manual dexterity, verbal communication, visual acuity, repetitive motion, and the ability to hear. Often long periods of mental concentration are required. Other activities are the ability to bend, climb, balance, stoop, kneel, crouch, reach, walk, push, pull, lift, and grasp.

          POSITION STATUS: EXEMPT
          DATE: 04.03.2014
          Pinnacle is an Equal Opportunity and Affirmative Action Employer committed to supporting a culture of inclusivity that builds a diverse workforce so we can support the many different communities we serve. All otherwise qualified associates and applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender expression and/or identity, national origin, age, genetic information, disability, protected military or veteran status, pregnancy or pregnancy-related conditions, or other status protected by law.

Keywords: Pinnacle Financial, Charlotte , Credit Advisor, Accounting, Auditing , Charlotte, North Carolina

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