Tonita Nesmith
About Tonita Nesmith
Tonita Nesmith serves as the Senior Director of Risk Rating Management at Synovus, where she has worked since 2012. She possesses extensive experience in credit review and risk management, having held various leadership roles in the banking sector over the past two decades.
Current Role at Synovus
Tonita Nesmith serves as the Senior Director of Risk Rating Management at Synovus, a position she has held since 2012. Based in Birmingham, Alabama, she has dedicated over a decade to enhancing the risk management processes within the organization. Her responsibilities include overseeing risk rating methodologies and ensuring compliance with regulatory standards. Nesmith's role emphasizes the importance of due diligence and acquisition reviews, which are critical components of effective risk management.
Previous Experience in Risk Management
Before her current role at Synovus, Tonita Nesmith accumulated extensive experience in risk management across various financial institutions. She worked at Regions Financial Corporation as Senior Vice President and Credit Review Regional Manager from 2007 to 2011. Prior to that, she was the Credit Review Team Leader at Colonial Bank from 1995 to 1997 and served as Vice President and Credit Review Section Manager at BBVA Compass from 1997 to 2007. This diverse background has contributed to her expertise in risk assessment and credit review.
Educational Background
Tonita Nesmith studied at the University of North Alabama, where she earned a Bachelor of Science in Economics from 1988 to 1992. She continued her education at the same institution, achieving a Master of Business Administration (MBA) from 1988 to 1993. This academic foundation has equipped her with the knowledge and skills necessary for her roles in risk management and credit review.
Expertise in Lending
Tonita Nesmith possesses significant expertise in both Commercial and Industrial (C&I) lending and Commercial Real Estate (CRE) lending. Her experience in these areas informs her approach to risk management, allowing her to effectively evaluate creditworthiness and assess potential risks associated with lending activities. This specialization is integral to her work at Synovus and enhances her contributions to the financial industry.