Credit Products Real Estate Product Specialist - Income Property Finance

Regions Bank•Charlotte, NC

22d•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 individual serves as part of the first line of defense, with the coverage team, in identifying and mitigating risk in existing and proposed credit products transactions.

Requirements

Bachelor’s degree, preferably in Business Administration, Real Estate, Accounting, or Finance
Ten (10) years of real estate underwriting, financial analysis, and portfolio management experience
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
Previous financial analysis experience
Relationship management experience either as a coverage banker or as a client facing member of relationship team
Legal documentation experience
Ability to structure real estate loans with strong market knowledge
Ability to identify issues and recommend well thought out solutions to deal team, approvers, and clients
Ability to independently complete or review for accuracy and completion credit underwriting packages, supporting tools, Risk Rating Grades, Credit Agreements, and other loan documentation
Demonstrates strong analytical and critical thinking skills
Demonstrates strong verbal and written communication skills
Proven delegation and mentoring skills
Proven leader with ability to make sound judgments
Recognized for quality of analysis and competency of completion in and oversight of portfolio management activities
Self-Initiates and leads credit discussions
Well organized, detail-oriented, able to manage and lead multiple projects under pressure
Works collaboratively with multiple stakeholders

Responsibilities

Maintains market knowledge of loan pricing, structural trends and understands how they align or differ from Regions’ risk profile
Jointly calls with coverage bankers to understand clients’ needs and business strategy around the real estate portfolio, assets with financing opportunities as well as cross-sell of treasury or capital markets products
Collaborates with coverage bankers to develop strategies to deliver credit solutions that can best meet client needs and identifies actionable ideas that can help achieve their goals
Leads the credit process on credit opportunities including structuring, underwriting, loan documentation/negotiation and closing
Serves as primary contact with Credit Risk and presents loan request for approval and/or modifications
Serves as the point person of the deal team during the closing process, partnering with a coverage banker, fulfillment, CLA (if construction loan), internal or external legal, client and others as necessary
Oversees all Credit Servicing activities of the portfolio to ensure servicing requirements are satisfied on a quarterly basis. Such oversight includes 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
Supports the coverage banker around client selectivity that meets Regions’ risk profile
Identifies opportunities for exposure reduction, process improvement, or new opportunities within assigned portfolio in collaboration with the coverage banker
Works with Analysts and Associates to address any issues that become apparent during loan servicing and monitoring activities and takes lead if significant modification or restructure is required
Assists in training Analysts and Associates that support the portfolio and takes responsibility for the overall quality of the teams’ work product
Coaches, mentors, and helps direct work for Credit Products Analysts and Associates