Credit Products Associate

2 months ago

Atlanta, Georgia, United States Regions Full time

Thank you for your interest in a career at Regions. At Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career --- a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed, then we are your employer of choice.

At Regions, the Credit Products Diversified Industries Associate supports Credit Products Diversified Industries Managers in identifying and mitigating risks in existing and proposed credit products. As a member of the First Line of Defense, the individual will analyze new commercial credit opportunities, underwrite new or renewed credit exposure, and manage a portfolio of loans and other credit relationships in conjunction with a manager.

Primary Responsibilities

  • Prepares credit approval packages on new and renewed credit products including determination of the appropriate risk rating as well as risk factors that could change the risk rating, analysis of financial performance, performance vs. projections, covenant compliance, relationship profitability (RAROC), and any other significant risk drivers
  • Analyzes guarantors as needed to support credit underwriting
  • Assists Credit Products Diversified Industries Managers with the review of pre-closing loan documents and closing due diligence
  • Manages financial reporting requirements, covenant requirements, past dues and documentation exceptions
  • Ensures credit files are complete with all up to date information
  • Provides tickler implementation and maintenance
  • Monitors portfolio and servicing activities in conjunction with Credit Products support
  • Validates the appropriate risk rating for a company and proactively identifies risk rating changes
  • Identifies opportunities for exposure reduction or new opportunities within assigned portfolio
  • Participates in research, preparation and execution of customer and prospect calls
  • Participates in identifying financial solutions that meet the client's needs and the Bank's risk acceptance criteria
  • Ensures compliance with internal bank commercial loan policy, credit risk management policy, and external regulatory requirements; documents any exceptions to policy and related rationale/mitigants

This position is exempt from timekeeping requirements under the Fair Labor Standards Act and is not eligible for overtime pay.

This position is incentive eligible.

Requirements

  • Bachelor's degree in Finance, Accounting or related field
  • Two (2) years underwriting experience or financial services analysis and accounting experience
  • Completion of a major corporate credit training program (or the equivalent corporate banking/corporate finance experience)

Skills and Competencies

  • Ability to competently complete credit packages and credit services agreements with management oversight
  • Ability to identify and voice issues; self-initiates discussion
  • Ability to perform quality analysis and display competency in completion and oversight of client portfolio management activities
  • Excellent verbal and written communication skills
  • Strong analytical and problem solving skills
  • Well organized, detail-oriented, and able to manage and/or lead multiple projects under pressure
  • Works collaboratively with multiple stakeholders
  • Preference is for at least three years of lending experience to corporate clients (such as underwriting and portfolio management)
  • This opportunity may be filled at a higher level based on skills and qualifications.

Compensation Details

Pay ranges are job specific and are provided as a point-of-market reference for compensation decisions. Other factors which directly impact pay for individual associates include: experience, skills, knowledge, contribution, job location and, most importantly, performance in the job role. As these factors vary by individuals, pay will also vary among individual associates within the same job.

The target information listed below is based on the Metropolitan Statistical Area Market Range for where the position is located and level of the position.

Job Range Target:

Minimum:

$64,234.40 USD

50th Percentile:

$88,980.00 USD

Incentive Pay Plans:

This role is eligible to participate in a discretionary incentive plan. Employees have the potential to receive a discretionary award based on performance against defined metrics and goals.Location:Atlanta, Georgia

Bring Your Whole Self to Work

We have a passion for creating an inclusive environment that promotes and values diversity of race, color, national origin, religion, age, sexual orientation, gender identity, disability, veteran status, genetic information, sex, pregnancy, and many other primary and secondary dimensions that make each of us unique as individuals and provide valuable perspective that makes us a better company and employer. More importantly, we recognize that creating a workplace where everyone, regardless of background, can do their best work is the right thing to do.

OFCCP Disclosure: Equal Opportunity Employer/Disabled/Veterans

Job applications at Regions are accepted electronically through our career site for a minimum of five business days from the date of posting. Job postings for higher-volume positions may remain active for longer than the minimum period due to business need and may be closed at any time thereafter at the discretion of the company.

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