Credit Products Leveraged Finance Associate

Regions•Charlotte, NC

10h•$95,681 - $116,309•Onsite

About The Position

At Regions, the Credit Products Leveraged Finance Associate supports Leveraged Finance Credit Products Manager(s) in identifying and mitigating risks in existing and proposed credit 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 Credit Products Manager. At Regions, the Commercial Leveraged Credit Products Associate partners with CLCP Senior Portfolio Managers (“Product Specialists”) to lead the underwriting, structuring, execution, and portfolio management of leveraged transactions. The Associate plays a key role on deal teams evaluating acquisition financings, strategic refinancings, and other complex credit opportunities.

Requirements

Bachelor's degree in related field
Two (2) years of underwriting experience or financial services analysis and accounting experience
Ability to competently complete credit packages and credit services agreements with management oversight
Completion of a major corporate credit training program (or the equivalent corporate banking/corporate finance experience)
Ability to identify and voice issues
Demonstrates analytical and problem solving skills
Strong verbal and written communication skills
Well organized, detail-oriented, and is able to multi-task
Works collaboratively with multiple stakeholders
Advanced analytical and financial modeling capabilities
Strong credit judgment and ability to independently assess complex transactions
Excellent interpersonal, verbal, and written communication skills
Ability to identify key risks and proactively recommend solutions
Highly organized with the ability to manage multiple transactions under tight deadlines
Proven ability to collaborate effectively with cross-functional stakeholders
Demonstrated leadership and mentorship skills

Responsibilities

Prepares credit approval packages on new and renewed credit 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 the Credit Products Manager with review of loan documents pre-closing
Reviews closing due diligence in collaboration with and oversight by Credit Products Manager
Maintains credit files including post- closing items (actively manages financial reporting requirements, covenant requirements, past dues and documentation exceptions and ensures credit files are complete with all up to date information)
Implements and maintains ticklers
Monitors and services portfolio in conjunction with Shared Services 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
Develops a strong working knowledge of and insures compliance with internal bank commercial loan policy, credit risk management policy, and external regulatory requirements documents any exceptions to policy and provides related rationale/mitigants
Partner with Product Specialists to lead credit screening, underwriting, structuring, negotiation, closing, and documentation of leveraged transactions
Take primary responsibility for building and maintaining complex financial models for both sponsor-backed and corporate clients
Conduct in-depth due diligence and drive credit analysis to assess risk, structure, and pricing
Serve as a key point of contact with coverage teams, credit risk, legal, and other stakeholders throughout the deal lifecycle
Support portfolio management efforts post-close, including monitoring performance, covenant compliance, and risk trends
Ensure consistent application of underwriting standards, due diligence practices, and documentation review
Lead review of loan documentation and closing diligence in coordination with legal counsel and internal partners
Maintain and apply market knowledge of leveraged finance trends, including pricing, structural features, and capital solutions
Mentor and provide guidance to Analysts on deal execution and credit analysis