Credit Risk Management Consumer Credit Manager Mortgage & Home Equity

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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The Credit Risk Management Consumer Credit Manager is responsible for developing strategic and tactical recommendations that enhance Regions ability to increase profitability while managing overall portfolio risk. The officer is required to work within Regions risk framework to identify measure mitigate monitor and report on consumer credit portfolios. The position requires the ability to analyze communicate and support the implementation of strategic solutions that focus on the best interest of Regions customers shareholders and communities.

Primary Responsibilities

• Recommends cohesive strategies that balance consumer loan growth while managing risk
• Recommends and implements comprehensive consumer credit policies
• Provides governanceoversight overRegions compliance with consumer credit policies
• Provides business insight and recommendations relating to credit model enhancements and their use in underwriting
• Utilizes alternative date sources to segment loanapplicant data to enhance the depth of Regions customer relationships and improve organic growth
• Develops account management and collection prioritization strategies
• Independently reports key risks and emerging risk
• Interacts with senior management and will act as a liaison to business units on credit review management
• Develops attracts and retains talent required to carry out roles and responsibilities
• Mentors credit analysts

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
• Five(5) years of experience in consumer credit risk management

Skills and Competencies

• Ability to evaluate synthesize organize and interpret data and information
• Ability to provide direction in underwriting requirements and origination automation strategies
• Knowledge of quantitative analysis and static pool analysis
• Strong technical skills basic programming and statistical concepts
• Strong verbal written communication and organizational skills
• Understanding of Consumer Credit products industry changes regulatory requirements and banking laws

The Credit Risk Mgt Consumer Credit Manager role provides independent oversight of mortgage and home equity credit risk establishing and monitoring adherence to risk appetite challenging first-line lending decisions when appropriate and providing credible risk reporting and governance to senior management and oversight committees.

Preferred experience -

• Extensive experience in consumer mortgage credit risk management or mortgage portfolio oversight.
• Strong knowledge of residential mortgage products including conventional government jumbo and non-QM lending.
• Demonstrated ability to provide effective challenge and independent risk assessment.
• Strong analytical decision-making communication and presentation skills.
• Experience interacting with executive management risk committees auditors and regulators.

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.

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