Credit specialist Jobs in Charlotte, NC

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 Credit Products Real Estate Product Specialist is a client-facing role, partnering directly with coverage on the extension of credit products transactions to meet clients' needs. This individual serves as part of the first line of defense, with the coverage team, in identifying and mitigating risk in existing and proposed credit products transactions.

Primary Responsibilities

• Maintains market knowledge of loan pricing, structural trends and understands how they align or differ from Regions' risk profile
• Jointly calls with coverage bankers to understand clients' needs and business strategy around the real estate portfolio, assets with financing opportunities as well as cross-sell of treasury or capital markets products
• Collaborates with coverage bankers to develop strategies to deliver credit solutions that can best meet client needs and identifies actionable ideas that can help achieve their goals
• Leads the credit process on credit opportunities including structuring, underwriting, loan documentation / negotiation and closing
• Serves as primary contact with Credit Risk and presents loan request for approval and / or modifications
• Serves as the point person of the deal team during the closing process, partnering with a coverage banker, fulfillment, CLA (if construction loan), internal or external legal, client and others as necessary
• Oversees all Credit Servicing activities of the portfolio to ensure servicing requirements are satisfied on a quarterly basis. Such oversight includes proactive identification and elevation of emerging risks and early warning indicators, at both the transaction or portfolio level, to the Team Lead, Market Manager, and Credit Risk partner
• Supports the coverage banker around client selectivity that meets Regions' risk profile
• Identifies opportunities for exposure reduction, process improvement, or new opportunities within assigned portfolio in collaboration with the coverage banker
• Works with Analysts and Associates to address any issues that become apparent during loan servicing and monitoring activities and takes lead if significant modification or restructure is required
• Assists in training Analysts and Associates that support the portfolio and takes responsibility for the overall quality of the teams' work product
• Coaches, mentors, and helps direct work for Credit Products Analysts and Associates

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

Skills and Competencies

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, 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 :

125,124.04 USD

Median : 155,137.50 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

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.

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 / welcometour / benefits.rf

Location Details

Charlotte Uptown

Location :

Charlotte, North Carolina

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.