Government & Institutional Banking Credit Underwriter

Job Description

At Regions, the Commercial Credit Services Underwriter works within the Credit Products group to analyze commercial credit requests, prepare credit approval packages, and recommend underwriting structures.

• Uses strong credit skills to competently complete credit approval activities with some management oversight
• Analyzes credit opportunities using standard or custom risk analysis templates, including Moody’s Risk Analytics, and provides to team management for feedback and approval
• Demonstrates knowledge of loan policy and competency to interpret financial data, sources of repayment, and propose appropriate structures
• Understands key risk drivers and articulates strengths of the deal, as well as weaknesses and mitigating factors
• Works collaboratively with multiple stakeholders including credit officers and relationship managers

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 Accounting, Finance or related field and two (2) years of commercial loan underwriting, credit analysis or portfolio management experience
• High School Diploma and six (6) years of commercial loan underwriting, credit analysis or portfolio management experience

Position Type:
Full time

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: $69,218.05 USD

Median: $83,390.00 USD

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.

Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for benefits-eligible 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
• 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, visit

Riverchase Complex North Building

Hoover, Alabama

Equal Opportunity Employer/including 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.