Regions Bank Credit Products Commercial Leveraged Finance Associate in Atlanta, Georgia
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 Large Corporate Associate supports Credit Products Diversified and Specialized Industries Managers in identifying and mitigating risks in existing and proposed credit products. 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 in conjunction with a manager.
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 drivers
Analysis of guarantors as needed to support credit underwriting
Assists Credit Products Diversified and Specialized Industries Managers with the review of pre-closing loan documents and closing due diligence
Actively manages financial reporting requirements, covenant requirements, past dues and documentation exceptions
Ensures credit files are complete with all up to date information
Provide tickler implementation and maintenance
Ongoing portfolio monitoring and servicing activities in conjunction with Credit Products 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 management policy, and external regulatory requirements documents any exceptions to policy and provides 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.
Bachelor’s degree in Finance, Accounting or related field
Minimum two (2) years underwriting experience or financial services analysis and accounting experience
Completion 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 with management oversight
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 identify and voice issues
Works collaboratively with multiple stakeholders
Regions Plaza Atlanta
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
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