Credit Products Commercial Portfolio Analyst

Job Description

At Regions, the Credit Products Commercial Portfolio Analyst provides analytical support to Credit Products Commercial Portfolio Managers. The successful candidate will gather information and perform in-depth research to identify, quantify, and mitigate underwriting risk inherent in extending the bank’s capital. The candidate is expected to develop strong working relationships with client management, internal teammates, credit officers, and other bankers.

• Prepare credit approval packages for new and renewed credit products, including determination of the appropriate risk rating and risk factors that could change the rating, analysis of financial performance, performance versus projections, covenant compliance, relationship profitability (RAROC), and any other significant risk drivers.
• Provide analysis of guarantors as needed to support credit underwriting.
• Assist the Credit Products Commercial Portfolio Managers with review of loan documents pre‑closing.
• Review closing due diligence in collaboration with and oversight by the Credit Products Manager.
• Maintain credit files including post‑closing items, actively manage financial reporting requirements, covenant requirements, past dues and documentation exceptions, and ensure credit files are complete with all up‑to‑date information.
• Assist with tickler implementation and maintenance.
• Monitor portfolio and servicing activities in conjunction with Shared Services support.
• Validate the appropriate risk rating for a company and proactively identify risk rating changes.
• Identify opportunities for exposure reduction or new opportunities within the assigned portfolio.
• Develop a strong working knowledge of and ensure compliance with internal bank commercial loan policy and credit risk.

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 a related field.

• Master of Business Administration (MBA).
• Two (2) years of experience in commercial underwriting.

• Ability to work collaboratively with multiple stakeholders.
• Strong analytical and problem‑solving skills.
• Strong verbal and written communication skills.
• Well organized, detail‑oriented, and able to multi‑task.

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 its level.

• Minimum: $47,432.55 USD
• Median: $67,830.00 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.

• 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

RSA Battle House Tower

Mobile, Alabama

Equal Opportunity Employer/including Disabled/Veterans