Regions Financial Corporation
Capital Markets Real Estate Analyst- MSR/Multifamily Valuations
Regions Financial Corporation, Atlanta, Georgia, United States, 30383
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.
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, the Capital Markets Real Estate Operations Analyst‑ Middle Office supports the operational functions associated with the bank’s Real Estate Capital Markets business. The business includes originating, underwriting, and servicing loans that are either traded or are securitized by government‑spoanded enterprise (GSE) programs, such as Federal National Mortgage Association (FNMA), Delegated Underwriting and Servicing (DUS) and Housing and Urban Development (HUD). The operations group supporting this business is responsible for valuing the Mortgage Servicing Rights (“MSR”), whole loan trading portfolios, as well as proving accounting, reconciliation, reporting, collateral management, and escrow administration.
Primary Responsibilities
Supports the Middle Office function for the Real Estate Capital Markets businesses
Performs complex reporting, remitting and reconciling activities related to funding and delivery of loans, securitization of mortgage backed securities (MBS) and monthly servicing activities
Creates reporting from the loan servicing system for data validation and valuation
Adheres to internal controls and industry/regulatory standards
Executes individual loan calculations and ensures proper accounting associated with each deal
Supports review and analysis of settlements statements and report adjustments
Updates, maintains, and distributes loan pipeline reporting for new loans
Provides new loan pricing and valuations and ensures proper accounting is assigned
Ensures loan cash flows are properly set up in valuation systems considering prepayment structures and loan default parameters
Calculates mark‑to‑market valuation and provides Profit/Loss (PnL) and risk reporting for whole loans and MSRs
Supports internal audit and external regulatory reporting for the MSR and whole loan trading valuations
Verifies accuracy of pricing data used for daily valuations, interest rate, and credit hedges
Ensures position data feeds downstream risk systems which measure market, liquidity, and counterparty risk
Supports testing and updating valuations that impact Real Estate Capital Markets and loan trading
Develops, documents, and maintains efficient processes that adhere to internal controls and applicable industry/regulatory standards, including requirements of GSEs
Calculates the new loan amortization schedule and completes Guaranteed Obligation amortization for MSRs that are valued using LOCOM
Validates the data extracted from the loan servicing system, and ensures that it is incorporated into the MSR valuation process properly
Inputs and reviews all market rates used in valuations and loan pricing
Provides advice and guidance to junior analysts as needed
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 Accounting, Finance, Economics, or a related field
Eight (8) years of experience working with Real Estate Lending Products
Significant financial analysis experience
Experience in database querying
Preferences
Master’s in Business Administration (MBA) or Chartered Financial Analyst (CFA) or intent to pursue
Experience working with real estate securities
Skills and Competencies
Ability to thrive in a fast‑paced trading environment
Advanced Microsoft Office skills (Excel, Word, PowerPoint, Etc.)
Experience with loan modeling platforms (e.g., MIAC, QRM, Aladdin, PolyPaths, Compass)
Knowledge and experience with fixed income valuation and analytics
Proven history of strong analytical skills, especially with Prepayment modeling
Strong organizational and interpersonal skills
This position will require daily on site attendance at our Atlanta, GA Midtown office. Some relocation assistance may be considered.
Full time
Compensation Details 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:
$101,787.84 USD
Median:
$143,188.50 USD
Incentive Pay Plans 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.
Benefits Information
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, please click or copy the link below to your browser.
https://www.regions.com/about-regions/welcome-portal/benefits
Location Details Atlanta Midtown
Location Atlanta, Georgia
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.
#J-18808-Ljbffr
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, the Capital Markets Real Estate Operations Analyst‑ Middle Office supports the operational functions associated with the bank’s Real Estate Capital Markets business. The business includes originating, underwriting, and servicing loans that are either traded or are securitized by government‑spoanded enterprise (GSE) programs, such as Federal National Mortgage Association (FNMA), Delegated Underwriting and Servicing (DUS) and Housing and Urban Development (HUD). The operations group supporting this business is responsible for valuing the Mortgage Servicing Rights (“MSR”), whole loan trading portfolios, as well as proving accounting, reconciliation, reporting, collateral management, and escrow administration.
Primary Responsibilities
Supports the Middle Office function for the Real Estate Capital Markets businesses
Performs complex reporting, remitting and reconciling activities related to funding and delivery of loans, securitization of mortgage backed securities (MBS) and monthly servicing activities
Creates reporting from the loan servicing system for data validation and valuation
Adheres to internal controls and industry/regulatory standards
Executes individual loan calculations and ensures proper accounting associated with each deal
Supports review and analysis of settlements statements and report adjustments
Updates, maintains, and distributes loan pipeline reporting for new loans
Provides new loan pricing and valuations and ensures proper accounting is assigned
Ensures loan cash flows are properly set up in valuation systems considering prepayment structures and loan default parameters
Calculates mark‑to‑market valuation and provides Profit/Loss (PnL) and risk reporting for whole loans and MSRs
Supports internal audit and external regulatory reporting for the MSR and whole loan trading valuations
Verifies accuracy of pricing data used for daily valuations, interest rate, and credit hedges
Ensures position data feeds downstream risk systems which measure market, liquidity, and counterparty risk
Supports testing and updating valuations that impact Real Estate Capital Markets and loan trading
Develops, documents, and maintains efficient processes that adhere to internal controls and applicable industry/regulatory standards, including requirements of GSEs
Calculates the new loan amortization schedule and completes Guaranteed Obligation amortization for MSRs that are valued using LOCOM
Validates the data extracted from the loan servicing system, and ensures that it is incorporated into the MSR valuation process properly
Inputs and reviews all market rates used in valuations and loan pricing
Provides advice and guidance to junior analysts as needed
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 Accounting, Finance, Economics, or a related field
Eight (8) years of experience working with Real Estate Lending Products
Significant financial analysis experience
Experience in database querying
Preferences
Master’s in Business Administration (MBA) or Chartered Financial Analyst (CFA) or intent to pursue
Experience working with real estate securities
Skills and Competencies
Ability to thrive in a fast‑paced trading environment
Advanced Microsoft Office skills (Excel, Word, PowerPoint, Etc.)
Experience with loan modeling platforms (e.g., MIAC, QRM, Aladdin, PolyPaths, Compass)
Knowledge and experience with fixed income valuation and analytics
Proven history of strong analytical skills, especially with Prepayment modeling
Strong organizational and interpersonal skills
This position will require daily on site attendance at our Atlanta, GA Midtown office. Some relocation assistance may be considered.
Full time
Compensation Details 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:
$101,787.84 USD
Median:
$143,188.50 USD
Incentive Pay Plans 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.
Benefits Information
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, please click or copy the link below to your browser.
https://www.regions.com/about-regions/welcome-portal/benefits
Location Details Atlanta Midtown
Location Atlanta, Georgia
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.
#J-18808-Ljbffr