Government & Institutional Banking Credit Underwriter
Regions Bank, Birmingham, Alabama, United States, 35275
Overview
Thank you for your interest in a career at Regions. Regions believes associates deserve more than just a job and offers performance-driven individuals a place to build a career with opportunities to grow. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed, Regions may be your employer of choice.
Regions is dedicated to safeguarding private and personally identifiable information submitted for job opportunities. The information will be collected and reviewed by Regions associates, consultants, and vendors to evaluate qualifications and experience and will not be used for marketing, sold, or shared outside Regions unless required by law. Information will be stored in accordance with regulatory requirements and 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 Commercial Credit Services Underwriter works within the Credit Products group to analyze commercial credit requests, prepare credit approval packages, and recommend underwriting structures.
Responsibilities
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.
Qualifications
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
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 performance in the job role. Pay will 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.
Minimum
Job Range Target:
$69,218.05 USD
Median
$83,390.00 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 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, please click or copy the link below to your browser.
https://www.regions.com/about-regions/welcome-portal/benefits
Location Details Riverchase Complex North Building
Location: Hoover, Alabama
Equal Opportunity 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 longer due to business need and may be closed at any time thereafter at the discretion of the company.
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Regions is dedicated to safeguarding private and personally identifiable information submitted for job opportunities. The information will be collected and reviewed by Regions associates, consultants, and vendors to evaluate qualifications and experience and will not be used for marketing, sold, or shared outside Regions unless required by law. Information will be stored in accordance with regulatory requirements and 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 Commercial Credit Services Underwriter works within the Credit Products group to analyze commercial credit requests, prepare credit approval packages, and recommend underwriting structures.
Responsibilities
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.
Qualifications
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
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 performance in the job role. Pay will 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.
Minimum
Job Range Target:
$69,218.05 USD
Median
$83,390.00 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 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, please click or copy the link below to your browser.
https://www.regions.com/about-regions/welcome-portal/benefits
Location Details Riverchase Complex North Building
Location: Hoover, Alabama
Equal Opportunity 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 longer due to business need and may be closed at any time thereafter at the discretion of the company.
#J-18808-Ljbffr