Synovus

Analyst

• Provide distinctive service to clients and prospects in person and by telephone
• Respond to client inquiries and resolve client issues
• Support the firm-wide three-ring phone-answering standard
• File Currency Transaction Reports (CTRs) and Suspicious Activity Reports (SARs) using firm software
• Monitor day-to-day BSA/AML compliance, including OFAC and 314a requirements
• Investigate potential suspicious activity from software alerts and team-member referrals
• Review high-risk clients and perform enhanced due diligence
• Engage Financial Advisors and Office Team Members for additional information
• Identify, report, and mitigate potential BSA risk issues
• Provide feedback, guidance, and support to the BSA Team and other team members
• Maintain knowledge of regulatory changes and trends
• Participate in BSA/AML training webinars, seminars, conferences, and meetings
• Meet clients' business and personal financial needs and refer them to specialty areas
• Assist other team members and perform related duties as assigned

BSA Analyst

General

• Move mortgage applications from initial application and setup through loan closing
• Provide distinctive service to clients and prospects in person and by telephone
• Respond to client inquiries and resolve client issues
• Receive, review, reconcile, upload, index, and validate loan documentation
• Confirm required forms, fees, and documentation are complete and accurate
• Collect and analyze client income, assets, investments, and debts against regulatory, product, and underwriting requirements
• Verify supporting income, asset, liability, and Social Security documentation
• Communicate discrepancies, missing data, and outstanding documentation to Mortgage Advisors and Mortgage Client Coordinators
• Coordinate with third-party partners to obtain appraisals, credit supplements, title commitments, verifications, insurance, payoff statements, and related information
• Obtain and review tax transcripts, insurance documentation, condo questionnaires, employment verifications, fraud alerts, and appraisals as applicable
• Order documents required by AUS findings, investors, and agencies
• Prioritize and monitor workflow to meet Pinnacle's SLAs
• Prepare, resubmit, and clear PTA, approval, and PTC underwriting conditions
• Prepare and deliver Change of Circumstance, Loan Estimate, NOI, Adverse Action, and other client notifications
• Close incomplete loan files when required documentation is not received
• Refer clients to Trust, Investments, Insurance, Treasury Management, and other specialty areas
• Assist team members and perform other assigned duties

Mortgage Processing Specialist

Financial Planning and Analysis

• Provide distinctive service to clients and prospects in person and over the telephone
• Respond to client inquiries and resolve client issues
• Support the three-ring standard for answering phones
• Greet and acknowledge clients entering the office
• Assist with deposits, withdrawals, payments, balances, and office capture duties
• Follow check-cashing, Reg. CC, and new-account-opening guidelines
• Ensure compliance with firm policies, procedures, federal regulations, and state laws
• Open new accounts and process paperwork, verify client credentials, and obtain supporting documentation
• Provide general account support, including maintenance, instant-issue debit cards, safe deposit boxes, research, affidavits, notary service, wire transfers, check orders, foreign currency, interest-rate inquiries, and ATM inquiries
• Prioritize and make on-the-spot decisions while balancing client satisfaction with firm exposure to loss or fraud
• Monitor and manage required reports
• Provide operational support to the Office Leader
• Address clients’ business and personal financial needs and refer them to Trust, Investments, Insurance, Treasury Management, and other specialty areas
• Assist team members to ensure distinctive service
• Perform other related duties as assigned

Financial Specialist

Advisor

• Provide distinctive service to clients and prospects in person and by telephone
• Respond to client inquiries and resolve client issues
• Comply with Bank policies, procedures, applicable state and federal laws, and regulatory guidance
• Stay current on laws, regulations, and procedures related to SBA and USDA lending
• Advise parties involved in all aspects of the loan closing function
• Review loan approvals and commitment letters
• Coordinate, prepare, review, and approve due diligence, compliance processes, and documentation required to close government-guaranteed loans
• Prepare SBA Guaranty packages for approval
• Partner with external legal counsel on title insurance, searches, and loan closing package documentation
• Communicate closing requirements and issues to internal and external partners
• Coordinate execution of loan and transaction documentation
• Prepare and confirm proper booking of closed loans and initial funding packages
• Maintain the pipeline of approved loans scheduled for closing
• Manage closing and related operational workflows
• Ensure exceptions are cleared in a timely manner
• Identify clients' financial needs and refer them to Trust, Investments, Insurance, Treasury Management, and other specialty areas
• Assist other team members and perform related assigned duties

Closing Advisor

• Independently validate highly complex, high-impact enterprise models, including Machine Learning and Artificial Intelligence models
• Work with model owners, developers, and users to perform comprehensive validations in compliance with regulatory guidance and company policies
• Review and challenge model assumptions, theory, empirical evidence, implementation, limitations, results, and reporting context
• Validate models and analytical tools across fraud monitoring, cybersecurity, credit scoring, marketing, BSA/AML/OFAC, Consumer Compliance, market risk, operational risk, strategic risk, finance and accounting, pricing, valuation, capital adequacy, and stress testing
• Document and present observations to stakeholders; recommend management action plans and track remediation
• Present validation results to Executive or Senior Management as appropriate
• Conduct ongoing monitoring, implementation reviews, outcome analysis, back-testing, and benchmarking
• Provide oversight and execute model risk management policies and procedures
• Consult with model owners, developers, and users on model development and operational controls
• Support quantitative and qualitative reporting for data-driven business decisions and regulatory and risk compliance
• Review model maintenance and enhancements implemented to address regulator feedback
• Monitor modeling trends, techniques, tools, best practices, and emerging technology opportunities
• Mentor, train, and guide less experienced team members
• Participate in innovations enhancing model validation and governance processes
• Identify, report, and escalate known or suspected policy, legal, regulatory, or risk-limit violations
• Perform other related duties as required

Model Development Analyst

• Provide distinctive service to clients and prospects in person and over the telephone
• Respond to client inquiries and resolve client issues
• Comply with Bank policies, procedures, applicable laws, and regulatory guidance
• Stay current on laws, regulations, and procedures related to SBA and USDA lending
• Advise parties involved in all aspects of the loan closing function
• Review loan approvals and commitment letters and coordinate, prepare, review, and approve due diligence, compliance processes, and closing documentation
• Make eligibility determinations under SBA and USDA regulations
• Prepare SBA Guaranty packages for approval
• Partner with external legal counsel on title insurance, searches, and loan closing package documentation
• Communicate closing requirements and related issues to internal and external partners
• Coordinate execution of loan and transaction documentation
• Prepare and confirm proper booking of closed loans and initial funding packages
• Maintain the pipeline of approved loans scheduled for closing
• Manage closing and related operational workflows
• Ensure exceptions are cleared in a timely manner
• Identify client financial needs and refer clients to specialty areas such as Trust, Investments, Insurance, and Treasury Management
• Assist other team members and perform related duties as assigned

SBA Closing Advisor – GGL

Production Coordinator

• Provide distinctive service to mortgage clients and prospects in person and over the telephone
• Respond to client inquiries and resolve client issues
• Act as a point of contact after the initial loan decision and set expectations for the application timeline
• Communicate application progress and closing timelines
• Communicate required conditions and documentation to clients
• Collect supporting documentation based on underwriting conditions and AUS requirements and upload it to the eFolder
• Meet regularly with the Mortgage Advisor to manage and review the mortgage pipeline
• Provide statistics updates as applicable
• Manage client escalations with the Mortgage Advisor
• Review Closing Disclosures with the Mortgage Advisor and client to ensure fees and cash are consistent with the client commitment
• Review files for application completeness and required supporting documentation
• Escalate file needs to the Mortgage Advisor or Mortgage Processing Manager
• Monitor Regulation B timing and ensure required notices, underwriting returns, and incomplete-file closures are handled appropriately
• Ensure files are decisioned within Regulation B requirements and timely manner
• Address clients' business and personal financial needs and refer them to Trust, Investments, Insurance, Treasury Management, and other specialty areas
• Assist team members as needed and perform other assigned duties

Mortgage Production Coordinator

Business Analyst

• Oversee implementation of treasury solutions, including technical requirements for file transmissions
• Ensure projects are delivered on time, within scope, meet client expectations, and are communicated to relevant internal and external parties
• Oversee deployment of identified technical treasury solutions, clarifying requirements including file formats and customization
• Document integration processes according to Synovus and vendor requirements
• Coordinate and conduct testing phases to ensure solutions meet expected quality standards
• Manage client and internal partner expectations by establishing timelines and dependencies
• Clarify implementation expectations, including setup, testing services, and transition to customer service support
• Assess client request scope with sales and technical sales consultants and translate business requirements into detailed technical specifications
• Apply creative problem solving and sound judgment, escalating when necessary to maintain client satisfaction
• Maintain project documentation, including plans, reports, and timely client communications
• Document internal processes and customization requirements
• Partner with Treasury Onboarders and Treasury Sales to deploy technical treasury products
• Observe applicable policies, procedures, laws, regulations, and role-specific risk limits; report known or suspected violations
• Perform other related duties as required