Regions Business Capital Underwriter

Thank you for your interest in a career  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, a Regions Business Capital Underwriter serves in a client-facing role, conducting and evaluating new corporate and commercial loans. This role works directly with Origination, Credit Risk, Client Coverage, Capital Markets, and other areas of the bank to lead the analysis of credit opportunities, and underwriting of credit exposure while seamlessly delivering value to Regions’ prospects and customers, balancing the risk tolerance of Regions Business Capital with new business objectives and client retention.

Primary Responsibilities Leads the credit process to ensure that transactions are reviewed thoroughly, in a timely manner and that internal policies and procedures are adhered to Conducts an assessment for borrower risk profile, financial performance, collateral strength, industry position and overall credit worthiness independently

Balances the risk tolerance of business objectives and client acquisition

Works closely with Origination to structure proposed transaction

Screens new opportunities and underwrites asset-based loans, ensuring behaviors drive a positive customer experience

Identifies and mitigates risks relative to each transaction independently, considering its size and complexity

Leads and owns the underwriting process to ensure expeditious execution of new business transactions in-line with client’s expectations and business risk tolerance and guidelines

Acts as the central “hub” with origination and credit risk Supports strong working relationships with key internal partners

Prepares comprehensive and objective memos and models analyzing historical and projected financial performance, collateral quality, borrowing base structure, industry characteristics, capital structure, and other credit attributes

Presents findings and recommendations to Senior Management and Credit Committee Engages in loan documentation and closing activities with borrower, counsel and relationship management

Includes direct or indirect supervision and direction of the day-to-day activities of junior professionals

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 a related field

Nine (9) years of underwriting and/or portfolio management experience

Skills and Competencies Ability to manage the execution of multiple complex transactions simultaneously

Ability to openly exchange ideas and opinions, elevate concerns, and follow policies and procedures as defined

Ability to quickly develop working relationships with prospective borrowers and key referral…