Credit Risk Review Examiner

5 days ago

Birmingham, Alabama, United States Regions Bank Full time

About the Role

The Credit Risk Review Examiner at Regions Bank plays a crucial role in ensuring the bank's credit risk management practices are sound and compliant with regulations. This position requires a high level of expertise in credit risk management, lending regulations, and bank policies.

Key Responsibilities

  • Monitor and examine credit activities to identify potential risks and ensure compliance with bank policies and regulations.
  • Assess and report on the status and direction of credit risk within assigned consumer or small business portfolios.
  • Develop and maintain positive working relationships with line of business management, credit risk management, audit staff, and other departments.
  • Analyze trends in key quality and performance metrics, review transactions, and assess processes associated with the origination and servicing of assigned loan portfolios.
  • Lead the identification and monitoring of evolution of key risk direction drivers for assigned portfolios.
  • Independently perform ad hoc analysis of often complex credit risk issues, frequently requiring aggregation of transaction data through use of spreadsheet or database software.
  • Maintain specialized knowledge as required for assigned lines of business, which may include expertise required to assess periodic validation of credit scoring models, understanding portfolio valuation techniques, etc.
  • Propose appropriate ratings and risk direction assessments and participate in developing findings and conclusions, presenting results to senior managers, and in completing written reports within departmental guidelines.
  • Maintain information or work papers to support review process and findings.
  • Maintain a thorough knowledge of credit risk review procedures, sound lending practices, credit policies, and regulatory requirements.
  • May serve as lead review analyst for assigned line(s) of business for continuous monitoring of credit risk conducted between examinations.
  • Collaborate with senior management in maintaining relevant knowledge of evolving and changing regulations and policies.
  • Collaborate with senior management in the development of team goals and objectives, ensuring consistent achievement.
  • Offers advice and guidance to junior examiners, assisting in the development of necessary skills and the promotion of continuous improvement initiatives.

Requirements

  • Bachelor's degree in related field.
  • Twelve (12) years of credit-related experience, or eight (8) years of third line of defense credit risk assurance, regulatory, or credit approval/management experience.
  • Experience writing risk management review reports.

Skills and Competencies

  • 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 verbal, written communication, and organizational skills.
  • Strong work ethic and self-motivation.

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.

Job Range Target: $126,140.28 USD$178,584.00 USD

Incentive Pay Plans:

This role is eligible to participate in the annual discretionary incentive plan. Employees are eligible to receive a discretionary award based on individual, business, and/or company performance.

Benefits Information

Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for Listed below is a synopsis of the benefits offered by Regions for informational purposes, which is not intended to be a complete summary of plan terms and conditions.

  • Paid Vacation/Sick Time
  • 401K with Company Match
  • Medical, Dental and Vision Benefits
  • Disability Benefits
  • Health Savings Account
  • Flexible Spending Account
  • Life Insurance
  • Parental Leave
  • Employee Assistance Program
  • Associate Volunteer Program

Please note, benefits and plans may be changed, amended, or terminated with respect to all or any class of associate at any time. To learn more about Regions' benefits, please click or copy the link below to your browser.

Location Details

Regions Center

Location: Birmingham, Alabama

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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