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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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Job Description:

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.

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 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.

Requirements

  • 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

Position Type

Full time

Location Details

Regions Plaza Atlanta

Location:

Atlanta, Georgia

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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