Credit Products Specialized Industries Associate - Healthcare
Regions•Charlotte, NC
•$98,411 - $129,518•Onsite
About The Position
At Regions, the Credit Products Specialized Industries Associate supports Credit Products Specialized Industries Managers in identifying and mitigating risks in existing and proposed credit products. As a member of the First Line of Defense, this role analyzes new commercial credit opportunities, underwrites new or renewed credit exposure, and manages a portfolio of loans and other credit relationships in conjunction with a manager.
Requirements
- Bachelor’s degree in Finance, Accounting or a related field
- Two (2) years of underwriting experience or financial services analysis and accounting experience
- Completion of a major corporate credit training program (or the equivalent corporate banking/corporate finance experience)
- Ability to competently complete credit packages and credit services agreements with management oversight
- Ability to identify and voice issues; self-initiates discussions
- Ability to perform quality analysis and display competency in completion and oversight of client portfolio management activities
- Excellent verbal and written communication skills
- Strong analytical and problem solving skills
- Well organized, detail-oriented, and ability to manage and/or lead multiple projects under pressure
- Works collaboratively with multiple stakeholders
Nice To Haves
- Healthcare experience preferred
- Strong underwriting experience preferred
- Expertise in financial modeling preferred
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 Credit Products Specialized Industries Managers with the review of pre-closing loan documents and closing due diligence
- Manages financial reporting requirements, covenant requirements, past dues and documentation exceptions
- Ensures credit files are complete with all up to date information
- Provides tickler implementation and maintenance
- Monitors portfolios and servicing activities in conjunction with Credit Products 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
- Participates in research, preparation and execution of customer and prospect calls
- Participates in identifying financial solutions that meet the client’s needs and the Bank’s risk acceptance criteria
- Ensures compliance with internal bank commercial loan policy, credit risk management policy, and external regulatory requirements; documents any exceptions to policy and related rationale/mitigants
Benefits
- This position is incentive eligible.
- Discretionary incentive plan
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
