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 Regions, the Credit Products Specialized Industries Associate supports Credit Products Specialized Industries Managers in assessing the potential risks of existing and proposed transactions. 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 typically in partnership with a Credit Products Specialized Industries Manager.  Based on a risk adjusted return perspective and the Bank’s stated risk appetite, this individual will strive to balance credit asset quality goals as well as revenue goals by serving as an independent credit risk expert providing effective challenge to both the Line of Business and Credit Risk.

Primary Responsibilities

Prepare 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 driversAnalysis of guarantors as needed to support credit underwritingAssists Credit Products Specialized Industries Managers with the review of pre-closing loan documents and closing due diligence, or independently, if neededActively manages financial reporting requirements, covenant requirements, past dues and documentation exceptionsEnsures credit files are complete with all up to date informationProvide tickler implementation and maintenanceOngoing portfolio monitoring and servicing activities in conjunction with Credit Products supportValidates the appropriate risk rating for a company and proactively identifies risk rating changesIdentifies opportunities for exposure reduction or new opportunities within assigned portfolioMaintains up to date understanding of primary loan market pricing and structuring trendsParticipates in research, preparation and execution of customer and prospect callsParticipates in identifying  financial solutions that meet the client’s needs and the Bank’s risk acceptance criteriaEnsures 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 fieldMinimum three (3) years underwriting and portfolio management experienceCompletion of a major corporate credit training program (or the equivalent corporate banking/corporate finance experience)Ability to competently complete credit packages and credit services agreements
 

Skills and Competencies

Excellent verbal and written communication skillsWell organized,  detail-oriented, and able to manage and/or lead multiple projects under pressureStrong analytical and problem solving skillsRecognized for quality of analysis and competency in completion and oversight of client portfolio management activitiesAbility to identify and voice issues; self-initiates discussionWorks collaboratively with multiple stakeholders

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:

$96,548.10 USD

Median:

$126,050.00 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.

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 DetailsAtlanta Midtown

Location:Atlanta, Georgia

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.