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.

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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.

Required Experience:

IC