Ascentium Credit Analyst

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.

Regions is dedicated to taking appropriate steps to safeguard and protect private and personally identifiable information you submit. The information that you submit will be collected and reviewed by associates, consultants, and vendors of Regions in order to evaluate your qualifications and experience for job opportunities and will not be used for marketing purposes, sold, or shared outside of Regions unless required by law. Such information will be stored in accordance with regulatory requirements and in conjunction with Regions’ Retention Schedule for a minimum of three years. You may review, modify, or update your information by visiting and logging into the careers section of the system.

Ascentium Capital, a division of Regions Bank, provides convenient access to financing for business equipment and technology and serves small organizations to Fortune 500 companies with programs that benefit manufacturers, distributors and direct to businesses nationwide. Our finance specialization covers several segments, including technology, healthcare, hospitality, franchise, commercial vehicles, and other markets. We strive to be the premier provider of customized finance programs that add value to our customers' businesses.

Primary Responsibilities
Reviews and analyzes credit information in order to make appropriate credit decisions within established policies and regulations
Initiates, completes, and submits accurate credit-related reports and documentation on a timely basis to accordance with established business processes and to assist the origination channels in achieving business goals and objectives
Orders and reviews loan documentation and researches any issues as needed
Gathers and maintains financial background information on present and prospective customers and develops credit studies for loan officers and committees as needed
Develops, implements, and maintains uniform credit policies and procedures to ensure consistency and enhance external and internal customer satisfaction
Works with the senior executives on all business opportunities and issues related to credit policies and credit decisions
Coordinates communication between the sales team, potential customers, and the review committee on credit, underwriting, and funding related issues
Works in conjunction with the appropriate managers and executives to support each business unit's performance goals and service standards
Works with either close supervision or under clearly defined procedures

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 Business Administration, Finance, or related field
One (1) year of experience in commercial/bank underwriting or related experience

Preferences
Experience with Fair Isaac credit models
Experience in formal bank underwriting training

Skills and Competencies
Ability to manage multiple priorities
Ability to learn additional systems as needed
Ability to research, analyze data, and derive facts
Ability to work in a team environment when applicable
Ability to work under pressure and meet deadlines
Proficiency in Microsoft Office (Excel, Word, PowerPoint, Outlook, etc.)
Strong attention to detail and proof-reading skills
Strong skills in calculating financial ratios
Strong understanding of personal and business credit reports
Strong verbal, written communication, and organizational skills
Strong work ethic and self-motivation

Regions will not sponsor applicants for work visas for this position. Applicants for this position must be currently authorized to work in the United States on a full-time basis.

Position Type Full time

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**: $54,542.29 USD
**Median**: $84,859.50 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 metric