Government & Institutional Banking 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, including financial statement spreading, cash flow analysis, and credit approval package preparation. This role 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 Moody's 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 borrowers' requests to determine the 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

• Bachelor’s degree in Accounting, Finance, or a related field

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

Skills and Competencies

• Ability to identify and voice issues

• Ability to multi-task and manage multiple projects and deadlines

• Strong analytical and problem-solving skills

• Strong attention to detail and organizational skills

• Strong verbal and written communication skills

This position may be filled at a higher level depending on the candidate's qualifications and relevant 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, 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:

$51,612.00 USD

Median:

$66,750.00 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 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.