Regions Bank Credit Risk Review Examiner 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 Risk Review Examiner continuously monitors and examines activities. This position assesses and reports the status and direction of credit risk within the assigned consumer or small business portfolios. Additionally, this position identifies risk direction drivers, evaluates origination quality, portfolio quality, and elements of credit risk management by review of various credit metrics, transaction testing, and periodic interaction with first and second-line of defense business managers, staff, and other risk assessment functions. This individual will identify issues that require management attention and will communicate and summarize review findings in applicable report format for risk rating accuracy, policy compliance, and prudent credit risk management practices.
Maintains a thorough knowledge of sound lending practices, lending regulations, and the bank’s loan policy and underwriting guidelines
Reviews credit exposures to provide assurance of compliance with Regions' credit policies as well as safe and sound banking practices
Participates and/or takes a leadership role in credit risk review examinations, which may include horizontal reviews that cross lines of business and geographies
Develops and maintains positive working relationships with line of business management, credit risk management, audit staff, and other departments
Analyzes trends in key quality and performance metrics, reviews transactions, and assesses processes associated with the origination and servicing of assigned loan portfolios
Identifies and monitors evolution of key risk direction drivers for assigned portfolios
Independently performs ad hoc analysis of credit risk issues, frequently requiring aggregation of transaction data through use of spreadsheet or database software
Maintains specialized knowledge as required for assigned lines of business, which may include expertise required to assess periodic validation of credit scoring models, understanding portfolio valuation techniques, etc.
Proposes appropriate ratings and risk direction assessments and participates in developing findings and conclusions, presenting results to senior managers, and in completing written reports within departmental guidelines
Maintains information or work papers to support review process and findings
Maintains a thorough knowledge of credit risk review procedures, sound lending practices, credit policies, and regulatory requirements
May serve as lead examiner for assigned line(s) of business for continuous monitoring of credit risk conducted between examinations
Collaborates with senior management in the development of team goals and objectives, ensuring consistent achievement
Offers advice and guidance to junior examiners, assisting in the development of necessary skills and the promotion of continuous improvement initiatives
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 related field
Seven (7) years of credit-related experience, or five (5) years of third line of defense credit risk assurance, regulatory, or credit approval/management experience
Experience writing risk management review reports
Skills and Competencies
Ability to learn additional systems as needed
Ability to research, analyze data, and derive facts
Ability to work in a team environment when applicable
Ability to work autonomously, with limited guidance
Ability to work under pressure and meet deadlines
Proficiency in Microsoft Office (Excel, Word, PowerPoint, Outlook, etc.)
Strong verbal, written communication, and organizational skills
Strong work ethic and self-motivation
This position may be filled at a higher level depending on the candidate's qualifications and relevant experience.
This position will work a hybrid schedule with a combination of in-office and remote work.
Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for associates. 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
Health Savings Account
Flexible Spending Account
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.
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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