Credit Products Real Estate Product Specialist - Income Property Finance

Regions Bank•Charlotte, NC

1d•Onsite

About The Position

At Regions, the Credit Products Real Estate Product Specialist is a client-facing role, partnering directly with coverage on the extension of credit products transactions to meet clients’ needs. This role serves as part of the first line of defense, with the coverage team, by identifying and mitigating risk in existing and proposed credit products transactions.

Requirements

Bachelor’s degree
Seven (7) years of experience in real estate underwriting, financial analysis, and portfolio management
Completion of a corporate credit training program (or equivalent corporate banking/finance or real estate experience)
Strong understanding of loan structuring needs, loan documentation requirements, and market knowledge
Financial analysis experience
Relationship management experience, either as a coverage banker or as a client facing member of a relationship team
Legal documentation experience

Nice To Haves

Bachelor’s degree, preferably in Business Administration, Real Estate, Accounting, or Finance

Responsibilities

Leads the credit process on credit opportunities including structuring, underwriting, loan documentation/negotiation, and closing
Maintains market knowledge of loan pricing, structural trends, and emerging risks within the various real estate sectors to better understand each client's needs and ensure those needs align with Regions' risk profile
Attends calls with coverage bankers to understand clients’ needs and the business strategy around the real estate portfolio, assets with financing opportunities, and cross-sell opportunities of treasury or capital markets products
Collaborates with coverage bankers to develop strategies and deliver credit solutions to best meet client needs
Serves as the primary contact with the Credit Risk team and presents loan requests for approval and/or modifications
Coordinates with the deal team during the closing process, partnering with a coverage banker, fulfillment, Centralized Loan Administration (CLA) (if construction loan), internal, or external legal groups, clients, and others as necessary
Supports the coverage banker around client selectivity that meets Regions' risk profile
Works with Associate I and II to address any issues discovered during loan servicing and monitoring activities, and takes the lead if significant modification or restructure is required
May, if designated by the deal team, oversee all Credit Servicing activities of the portfolio to ensure servicing requirements are satisfied on a quarterly basis, including proactive identification and elevation of emerging risks and early warning indicators, at both the transaction or portfolio level, to the Team Lead, Market Manager, and Credit Risk partner