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JOB DESCRIPTION:

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.
Primary Responsibilities
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
Provides 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
Maintains 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)
Assists with tickler implementation and maintenance
Monitors portfolio 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.
Requirements
Bachelor’s degree in Finance, Accounting or related field
Preferences
Master of Business Administration (MBA)
Two (2) years experience in commercial underwriting
Skills and Competencies
Ability to work collaboratively with multiple stakeholders
Strong analytical and problem solving skills
Strong verbal and written communication skills
Well organized, detail-oriented, and ability to multi-task
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.

Please refer the Job description for details