Credit Products Specialized Industries Product Specialist - Transportation and Logistics

Regions Bank•Charlotte, NC

About The Position

At Regions, the Credit Products Specialized Industries 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. The individual will work directly with teammates in Credit Products, Credit Risk, Client Coverage, Capital Markets, and other areas of the bank to lead the analysis of credit opportunities, underwriting of credit exposure and management of a portfolio of loans and other credit relationships while providing effective challenge to these various constituents. This individual will provide subject matter expertise and manage the overall delivery of credit products to assigned clients.

Requirements

Bachelor’s degree in Finance, Accounting or related field
Five (5) or more years of underwriting and portfolio management experience
Completion of a major corporate credit training program (or the equivalent corporate banking/corporate finance experience)
Experience in relationship management either as a coverage banker or as a client facing member of the relationship team
Legal document and financial analysis experience
Understanding of loan structuring needs, loan documentation requirements and market knowledge
Excellent verbal and written communication skills
Strong problem solving and time management skills
Ability to coach others
Well organized and detail-oriented
Ability to manage multiple projects under pressure
Proven leader with ability to make sound judgments
Ability to negotiate with both internal and external parties

Responsibilities

Works in support of coverage banker to develop target set of companies within markets to enhance proper client selectivity
Able to add value directly to client and coverage in articulating Regions’ underwriting methods, processes and risk appetite for specific credit products
Maintains market knowledge of loan pricing and structural trends to match client needs with Regions’ credit product solutions
Calls jointly on clients with coverage bankers to understand clients’ needs and specific risks to client business.
Works with coverage banker to develop client strategy focusing on existing and potential credit exposure.
Assists coverage banker in optimizing relationship through cross sell activities of credit products
Leads the credit process on identified credit product opportunities.
Ultimately accountable for structuring, underwriting, closing and management of new and existing credit products for clients.
Serves as the primary contact with Credit Risk
Oversees ongoing monitoring of existing portfolio by being accountable for periodic assessments and other servicing requirements
Serves as a mentor/coach to team members, specifically Credit Products Associates assigned to managed clients