Think Beyond The Label Jobs

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.

Regions is dedicated to taking appropriate steps to safeguard and protect private and personally identifiable information you submit. The information that you submit will be collected and reviewed by associates, consultants, and vendors of Regions in order to evaluate your qualifications and experience for job opportunities and will not be used for marketing purposes, sold, or shared outside of Regions unless required by law. Such information will be stored in accordance with regulatory requirements and in conjunction with Regions’ Retention Schedule for a minimum of three years. You may review, modify, or update your information by visiting and logging into the careers section of the system.

Job Description:

At Regions, the Commercial Credit Services Credit Analyst provides Portfolio Management and Underwriting support for the Credit Products Group. Underwriting support includes financial statement spreading, Global Cash Flow analysis, and Credit Approval Package preparation. The analyst may also execute various credit servicing activities, including covenant testing, risk rating assessments, and formal documentation of Ongoing Monitoring and Periodic Assessment actions. The Commercial Credit Services Credit Analyst will exercise independent judgment in servicing and risk rating assessments.

Primary Responsibilities

• Spreads borrower interim and year-end financial statements in Moody’s Risk Analyst (MRA) (and potentially in other software programs as well, if applicable)

• Prepares Global Cash Flow analysis

• Tests interim and year-end covenant compliance calculations

• Tests interim and year-end benchmarks (if applicable)

• Spreads and analyzes guarantor financial information

• Prepares risk rating models on borrowers and guarantors

• Prepares Ongoing Monitoring packages and Periodic Assessment packages

• Prepares certain sections and appendices of Credit Approval Packages

• Assesses borrower request to determine appropriate underwriting channel

• Prepares tenant analysis in CRE transactions (when tenant is not borrower)

• Works collaboratively with multiple stakeholders including credit officers and relationship managers

• Exercises independent judgment and finalizes risk rating decisions

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 Accounting, Finance or related field and two (2) years of commercial loan underwriting, analysis or portfolio management experience or

• High School Diploma and six (6) years of commercial loan underwriting, analysis or portfolio management experience

Skills and Competencies

• Strong verbal and written communication skills

• Well organized, detail-oriented, and ability to multi-task

• Strong analytical and problem solving skills

• Demonstrated mastery of commercial credit analysis skills and ability to spread financial statements and monitor credit information with limited review and oversight

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:

$61,327.20 USD

Median:

$81,540.00 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. (https://www.regions.com/about-regions/benefits/benefits-eligibility) 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.

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

Location Details

Riverchase Complex North Building

Location:

Hoover, 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.