Credit Products Specialized Industries Associate Technology & Defense

Charlotte, VT - USA

Monthly Salary: Not Disclosed

Posted on: 03-11-2025

Vacancies: 1 Vacancy

Job Summary

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 theCredit Products Specialized Industries AssociatesupportsCredit ProductsSpecialized Industries Managers in identifying and mitigating risks in existing and proposedcredit products. As a member of the First Line of Defense the individual will analyze new commercial credit opportunities underwrite new or renewed credit exposure and manage a portfolio of loans and other credit relationships in conjunction with a manager.

Primary Responsibilities

Preparescredit approval packages on new and renewedcredit products including determination of the appropriate risk rating as well as risk factors that could change the risk rating analysis of financial performance performance vs. projections covenant compliance relationship profitability (RAROC) and any other significant risk drivers
Analyzes guarantors as needed to support credit underwriting
Assists Credit ProductsSpecialized Industries Managers with thereview of pre-closingloan documents and closing due diligence
Manages financial reporting requirements covenant requirements past dues and documentation exceptions
Ensures credit files are complete with all up to date information
Provides tickler implementation and maintenance
Monitors portfolio and servicing activities in conjunction with Credit Products support
Validates the appropriate risk rating for a company and proactively identifies risk rating changes
Identifies opportunities for exposure reduction or new opportunities within assigned portfolio
Participates in research preparation and execution of customer and prospect calls
Participates in identifying financial solutions that meet the clients needs and the Banks risk acceptance criteria
Ensures compliance with internal bank commercial loan policy credit risk management policy and external regulatory requirements; documents any exceptions to policy and related rationale/mitigants

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 Finance Accounting or related field
Two (2) years underwriting experience or financial services analysis and accounting experience
Completion of a major corporate credit training program (or the equivalent corporate banking/corporate finance experience)
Ability to competently complete credit packages and credit services agreements with management oversight

Skills and Competencies

Ability to identify and voice issues; self-initiates discussion
Ability to perform quality analysis and display competency in completion and oversight of client portfolio management activities
Excellentverbal and written communication skills
Strong analytical and problem solving skills
Well organized detail-oriented and able to manage and/or lead multiple projects under pressure
Works collaboratively with multiple stakeholders

This position may be filled at a higher level depending on the candidates 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:

$96299.86 USD

Median:

$125727.00 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.

DetailsCharlotte 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.

Required Experience: