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Credit Advisor Jobs (NOW HIRING)

Synovus

Credit Advisor

Atlanta, GA · On-site

Underwrites credit requests including new, renewals and modifications as the credit expert within the first line of defense. Recommends credit structures and provides effective challenge while ...

New

Synovus

Credit Advisor (Franchise Finance)

Atlanta, GA · On-site

A Credit Advisor should demonstrate commitment to delivering distinctive service. This position will be responsible for providing the credit analysis and underwriting for new and renewed credit ...

Synovus

Credit Advisor - USDA UW

Montgomery, AL · On-site +1

A Credit Advisor should demonstrate commitment to delivering distinctive service. This position will be responsible for providing the credit analysis and underwriting for new and renewed credit ...

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Credit Advisor information

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$56K

$62.1K

$66.5K

How much do credit advisor jobs pay per year?

As of Jul 8, 2026, the average yearly pay for credit advisor in the United States is $62,074.00, according to ZipRecruiter salary data. Most workers in this role earn between $59,500.00 and $64,500.00 per year, depending on experience, location, and employer.

How does a Credit Advisor typically collaborate with other departments to support client needs?

Credit Advisors frequently work alongside loan officers, underwriters, and customer service teams to deliver comprehensive financial solutions for clients. By sharing insights on creditworthiness and financial planning, they help tailor products that best fit each client's profile. This collaborative approach ensures that clients receive accurate guidance and smooth service, while also helping the organization manage risk effectively. Regular team meetings and cross-departmental communication are common to ensure alignment on client strategies.

How do credit counselors make money?

Credit counselors typically earn money through fees charged for their services, such as debt management plan setup or counseling sessions. Some may receive commissions from creditors for referring clients or selling financial products, but reputable counselors often operate on a fee-based model to maintain independence and trust.

What does a credit advisor do?

A credit advisor helps clients understand and improve their credit scores by analyzing credit reports, providing financial advice, and recommending strategies to manage debt. They often work with financial tools and may hold certifications such as the Certified Credit Counselor credential. Their goal is to assist clients in achieving better creditworthiness and financial stability.

What are Credit Advisors?

Credit Advisors are professionals who assist individuals or businesses in managing and improving their credit profiles. They analyze clients’ financial situations, provide strategies to reduce debt, improve credit scores, and offer guidance on financial products. Credit Advisors may also help clients understand credit reports and negotiate with creditors. Their goal is to empower clients to make informed decisions and achieve financial stability.

What field of counseling makes the most money?

Among counseling fields, clinical psychologists and psychiatrists tend to earn the highest salaries, often exceeding $100,000 annually, especially with advanced degrees and licensure. In the context of a credit advisor, related financial counseling roles such as financial planners or credit counselors generally have lower earning potential compared to specialized mental health counseling professions.

What is the difference between Credit Advisor vs Loan Officer?

AspectCredit AdvisorLoan Officer
CredentialsTypically requires certifications like CFP or relevant financial licensesOften requires mortgage or loan originator licenses
Work EnvironmentAdvises clients on credit and financial strategies, often in banks or financial firmsAssists clients in applying for loans, working in banks, credit unions, or mortgage companies
Industry UsageUsed in financial planning and credit managementCommonly found in lending and mortgage industries
Search & Comparison IntentOften compared for financial advisory rolesCompared for lending and mortgage services

The main difference is that a Credit Advisor focuses on advising clients on credit management and financial strategies, while a Loan Officer primarily helps clients secure loans. Both roles require financial knowledge and certifications but serve different functions within the financial industry.

What is the highest paying job in credit?

The highest paying roles in credit typically include senior credit managers, credit directors, and chief credit officers, who oversee credit policies and risk management at a strategic level. These positions often require extensive experience, advanced certifications, and strong leadership skills, with salaries reaching six figures or more depending on the organization and location.

What are the key skills and qualifications needed to thrive as a Credit Advisor, and why are they important?

To excel as a Credit Advisor, you need a solid understanding of credit analysis, financial assessment, and relevant regulatory policies, often supported by a degree in finance, business, or a related field. Familiarity with credit management software, financial modeling tools, and sometimes certifications like Certified Credit Professional (CCP) are commonly required. Strong interpersonal skills, attention to detail, and effective communication help build trust and tailor advice to individual client needs. These skills are vital for accurately assessing creditworthiness, minimizing risk, and delivering valuable guidance to clients.
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Credit Advisor jobs near you
Credit Advisor

Credit Advisor

Synovus

Atlanta, GA • On-site

Full-time

Posted 17 hours ago

New

Synovus rating

8.9

Company rating: 8.9 out of 10

Based on 27 frontline employees who took The Breakroom Quiz

9th of 145 rated banks

Job description

Job Summary:
Manages and monitors a portfolio of client credit exposures, across industry classes, on an ongoing basis. Underwrites credit requests including new, renewals and modifications as the credit expert within the first line of defense. Recommends credit structures and provides effective challenge while ensuring quality and profitability of assigned portfolio. Ensures adherence to the Wholesale risk philosophy, risk appetite and lending strategies. Serves as an additional point of client contact, maintaining a high level of client responsiveness. Navigates a wide variety of financial structures, credit scenarios and financial analysis situations. Communicates risk and return with Wholesale banker partners. Collaborates with bankers on loan closings to ensure proper documentation of new and amended deals as well as waivers and modifications. Works closely with and provides guidance to Wholesale Credit Risk Analysts, serving as lead regarding client servicing activities to proactively identify and mitigate credit risk.
Job Duties and Responsibilities:
  • Collaborates with bankers and other business teams to meet client credit requests, while balancing the risk-return needs of the company. Monitors portfolio to accurately assign risk ratings to clients and facilities. Ensures packages are complete, accurate and thoroughly documented.
  • Conducts analysis and structuring of credit requests for clients and prospects. Develops client assessments including in-depth analyses of financial data and other information provided by the client. Conducts projection modeling, stress testing and other analyses using research and evaluations from a wide variety of sources.
  • Assesses deal strengths and weaknesses and risk factors. Evaluates and establishes risk ratings for transactions and correlates exposure levels as a part of the client strategy discussion. Completes and coordinates memos using aforementioned process and materials.
  • Facilitates all credit-related approvals to provide superior risk management, client service and revenue generation, which may include derivative, p-card, treasury and letter of credit approvals and issuances
  • Interacts with deal team at agent banks regarding buy-side syndicated transactions, and interacts with participating banks regarding Synovus-led multi-bank deals
  • Collaborates with bankers, agent bank officers, and bank attorney regarding loan documentation and closing process for new and amended credit facilities, including waivers and modifications. Helps ensure loan documentation complies with loan approvals.
  • Interfaces with Wholesale loan operations team regarding booking of new and amended deals, waivers and modifications, providing all necessary documentation to complete closing process.
  • Ensures all transactions are in compliance with regulatory and company guidelines, policies and procedures.
  • Remains current on all aspects of the credit relationship, including exposure, compliance, potential problems and opportunities. Notifies bankers of any issues and interacts with clients as required
  • Serves as a client point of contact and is responsible for collection of required client reporting. Monitors existing client credit on a daily basis for issues or concerns. Conducts periodic credit servicing in conjunction with Wholesale Credit Risk Analysts
  • Initiates discussions as needed with bankers to ensure client positive operating performance and ability to meet obligations. Notifies bankers of any deterioration in operating performance. Submits periodic reporting and servicing.
  • Monitors tickler and exception reports to manage flow of financial reporting and client compliance with covenants.
  • Prepares internal and external regulatory exam responses. Responds to examiner questions and requests for information regarding assigned portfolio. Assists in cross selling efforts and participates in special projects. Works closely with and provides guidance to Wholesale Credit Risk Analysts, serving as lead regarding client servicing activities.
  • Provides a cohesive and comprehensive approach to review ratings, risk assessment, portfolios, clients and industries in assigned sector. Prepares and presents quarterly and annual risk reviews and tiering analyses. Assigns risk ratings and maintains updated credit research on portfolio of clients
  • May lead, train, mentor, and develop Wholesale Credit Risk Analysts and other junior members of the team. Helps drive and support innovation and continuous efficiency improvements.
  • 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 committed to fostering an inclusive work environment.
Minimum Education:
  • Bachelor's Degree in Business Administration, Finance, Accounting or related discipline or a combination of education and experience

Minimum Experience:
  • Five years of experience as a Wholesale Credit Risk Manager; or ten years of credit analysis or commercial banking experience including experience in one of the following sectors: corporate banking, middle market or CRE.
  • Required Knowledge, Skills, & Abilities:
  • Strong understanding of risk management and credit mitigants
  • Knowledge risk ratings analysis, corporate finance and/or research
  • Strong analytical and financial modeling ability
  • Strong client service skills
  • Strong organizational skills
  • Strong verbal and written communication skills
  • Strong relationship building skills
  • Proficiency using Microsoft Office software products including advanced Excel modeling skill
  • Familiarity with Moody's analytics

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