Regions Bank Credit Products Commercial Portfolio Analyst in Birmingham, Alabama
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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At Regions, the Credit Products Commercial Portfolio Analyst provides analytical support to Credit Products Commercial Portfolio Managers. The successful candidate will gather information and perform in-depth research in order to identify, quantify and mitigate underwriting risk inherent in extending the bank’s capital. The candidate will be expected to develop strong working relationships with client management, internal teammates, credit officers, and other bankers.
Preparation of credit packages (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.)
Analysis of guarantors as needed to support credit underwriting.
Assists the Credit Products Commercial Portfolio Managers with review of loan documents pre-closing.
Reviews closing due diligence in collaboration with and oversight by Credit Products Manager
Maintenance of credit files including post- closing items (Actively manages financial reporting requirements, covenant requirements, past dues and documentation exceptions and ensures credit files are complete with all up to date information)
Tickler implementation and maintenance
Ongoing portfolio monitoring and servicing activities in conjunction with Shared Services 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
Develops a strong working knowledge of and insures compliance with internal bank commercial loan policy, credit risk
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.
- Bachelor’s degree in Finance, Accounting or related field
Two (2) years experience in commercial underwriting
Skills and Competencies
Strong verbal and written communication skills
Well organized, detail-oriented, and ability to multi-task
Strong analytical and problem solving skills
Ability to work collaboratively with multiple stakeholders
At Regions, our culture focuses on five core values that are a commitment to how we will do business:
Put people first
Do what is right
Focus on your customer
Through these values, our mission to make life better drives our desire to improve and make a positive difference in the communities where we work and live through financial investments and volunteering.