Commercial Credit Services Credit Analyst

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 Commercial Credit Services Credit Analyst provides Portfolio Management and Underwriting support for the Credit Products group. Underwriting support includes financial statement spreading cash flow analysis and credit approval package preparation. TheCommercial Credit Services Credit Analyst may also execute various credit servicing activities including covenant testing risk rating assessments and formal documentation of ongoing monitoring and periodic assessment actions.

Primary Responsibilities

Spreads borrower interim and year-end financial statements in Moodys CreditLens (MCL) (and potentially in other software programs as well if applicable)

Prepares cash flow analysis

Tests interim and year-end covenant compliance calculations

Tests interim and year-end benchmarks (if applicable)

Spreads and analyzes guarantor financial information (if applicable)

Prepares risk rating models on borrowers and guarantors

Prepares ongoing monitoring packages and periodic assessment packages

Prepares certain sections and appendices of credit approval packages

Assesses borrower request to determine appropriate underwriting channel

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

Bachelors degree in Accounting Finance or related field or

High School Diploma and four (4) years of commercial banking loan underwriting analysis or portfolio management experience

Skills and Competencies

Strong verbal and written communication skills

Well organized detail-oriented and ability to multi-task

Strong analytical and problem solving skills

Ability to identify and voice issues

Ability to work collaboratively with multiple stakeholders

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 :

$51761.60 USD

Median : $64540.00 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.

Details

Riverchase Complex North Building

Location : 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.

Required Experience :

IC

Key Skills

Financial Statement Preparation,Credit Analysis,Cash Flow Analysis,Math,Banking,Analysis Skills,UCC Law,Underwriting,Financial Analysis,Financial Modeling,Financial Report Interpretation,Word Processing

Employment Type : Full-Time

Experience : years

Vacancy : 1