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.

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Job Description:

At Ascentium Capital, the Credit Analyst is responsible for evaluating commercial loan applications for new loan transactions as well as for processing annual loan reviews on existing borrowers.

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 regulationsInitiates, 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 objectivesOrders and reviews loan documentation and researches any issues as neededGathers and maintains financial background information on present and prospective customers and develops credit studies for loan officers and committees as neededDevelops, implements, and maintains uniform credit policies and procedures to ensure consistency and enhance external and internal customer satisfactionWorks with the senior executives on all business opportunities and issues related to credit policies and credit decisionsCoordinates communication between the sales team, potential customers, and the review committee on credit, underwriting, and funding related issuesWorks in conjunction with the appropriate managers and executives to support each business unit's performance goals and service standardsWorks 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 fieldOne (1) year of experience in commercial/bank underwriting or related experience

Preferences

Experience with Fair Isaac credit modelsExperience in formal bank underwriting training

Skills and Competencies

Ability to manage multiple prioritiesAbility to learn additional systems as neededAbility to research, analyze data, and derive factsAbility to work in a team environment when applicableAbility to work under pressure and meet deadlinesProficiency in Microsoft Office (Excel, Word, PowerPoint, Outlook, etc.)Strong attention to detail and proof-reading skillsStrong skills in calculating financial ratiosStrong understanding of personal and business credit reportsStrong verbal, written communication, and organizational skillsStrong work ethic and self-motivation

This opportunity may be filled at a higher level based on skills and qualifications.

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:

$52,181.42 USD

Median:

$69,720.30 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.

Benefits Information

Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for benefits-eligible associates. 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 Time401K with Company MatchMedical, Dental and Vision BenefitsDisability BenefitsHealth Savings AccountFlexible Spending AccountLife InsuranceParental LeaveEmployee Assistance ProgramAssociate 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.

https://www.regions.com/welcometour/benefits.rf

Location DetailsAscentium Dover

Location:Dover, New Hampshire

Bring Your Whole Self to Work  

   

We have a passion for creating an inclusive environment that promotes and values the differences that make each of us stand out as unique individuals and help provide valuable perspective that makes us a better company and employer. More importantly, we recognize that creating a workplace where all people can do their best work and thrive 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.