Credit Officer II - Area Credit Officer

Regions Bank • Mobile, AL

82d • $132,109 - $181,649

About The Position

At Regions, the Credit Officer II is accountable for the credit quality (past dues, NPA, Criticized assets, Net Losses, Exceptions, etc.), profitability and growth of the total business loan portfolio in the assigned Credit Officer’s applicable business reporting unit or segment. The Credit Officer II ensures and is responsible for execution of sound risk management practices as part of the 2nd Line of Defense, including communication of applicable information to maintain an environment of risk ownership and awareness. The position typically reports to a Corporate Bank Credit Division Manager or Senior Credit Officer.

Requirements

• Bachelor’s degree in related field.
• Eight (8) years of related experience.

Nice To Haves

• Completion of a formal credit training program is preferred.

Responsibilities

• Responsible for the overall creditworthiness of loan transactions within the assigned business reporting unit or segment.
• Manage applicable credit exposure to ensure adherence to Region’s Risk Appetite Statement and to all asset quality, diversification, and exposure parameters.
• Communicate and demonstrate sound risk management practices in order to maintain an environment of risk ownership and awareness.
• Exhibit accountability for the quality and profitability (spread relative to risk) associated with the assigned business unit or segment.
• Partner and consult with subject matter experts for leveraged lending, sponsor-backed and specialized industries loan transactions, as applicable.
• Serve on ad hoc projects as a contributing member.

Benefits

• 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

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Bachelor's degree
• Number of Employees: 5,001-10,000 employees