Regions Business Capital Underwriter

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 Regions Business Capital Underwriter is a client-facing role responsible for conducting and evaluating new corporate and commercial loans. The individual will work directly with Origination Credit Risk Client Coverage Capital Markets and other areas of the bank to lead the analysis of credit opportunities and underwriting of credit exposure while seamlessly delivering value to Regions prospects and customers balancing the risk tolerance of Regions Business Capital with new business objectives and client retention.

Primary Responsibilities

• Leads the credit process to ensure that transactions are reviewed thoroughly in a timely manner and that internal policies and procedures are adhered to

• Independently conducts an assessment for borrower risk profile financial performance collateral strength industry position and overall credit worthiness

• Balances the risk tolerance of business objectives and client acquisition

• Works closely with Origination to structure proposed transaction

• Screens new opportunities and underwrites asset-based loans ensuring behaviors drive a positive customer experience

• Independently identifies risks and mitigants relevant to transactions and in relation to the size and complexity of the transaction

• Leads and owns the underwriting process to ensure expeditious execution of new business transactions in-line with clients expectations and business risk tolerance and guidelines

• Acts as the central hub with origination and credit risk

• Supports strong working relationships with key internal partners

• Prepares comprehensive and objective memos and models analyzing historical and projected financial performance collateral quality borrowing base structure industry characteristics capital structure and other credit attributes

• Presents findings and recommendations to Senior Management and Credit Committee

• Engages in loan documentation and closing activities with borrower counsel and relationship management

• Includes direct or indirect supervision and direction of the day-to-day activities of junior professionals

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

• Nine (9) years underwriting and/or portfolio management experience

Skills and Competencies

• Ability to manage execution of multiple complex transactions simultaneously

• Ability to openly exchange ideas and opinions elevate concerns and follow policies and procedures as defined

• Ability to quickly develop working relationships with prospective borrowers and key referral sources (private equity firms investment banks bank groups etc.) and to communicate at all levels

• Deep understanding of loan structuring financial analysis collateral analysis legal documentation and industry considerations affecting transactions including experience specific to ABL lending

• Exercises independent judgment and applies prudent risk mitigation principles

• Extensive track record of underwriting risk management and/or relationship management and closing loans

Position Type

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:

Median:

Incentive Pay Plans:

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.

DetailsAtlanta Midtown

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