Credit Risk Review Examiner

Regions Bank•Birmingham, AL

About The Position

At Regions, the Credit Risk Review Examiner continuously monitors and examines activities to assess and report the status and direction of credit risk within assigned portfolios. The role identifies key credit risk trends and evaluates origination quality, portfolio performance, and credit risk management practices through credit-metric analysis, transaction testing, and ongoing engagement with first- and second-line business and risk partners. The examiner identifies issues requiring management attention and communicates findings through formal reporting on risk-rating accuracy, policy compliance, and sound credit risk management practices. The examiner may participate in or lead examinations, including horizontal reviews across lines of business and geographies, and may serve as lead examiner for assigned lines of business between examinations. The position also advises junior examiners, collaborates with senior management on team goals, and presents results to senior managers. It is exempt from timekeeping requirements under the Fair Labor Standards Act, is not eligible for overtime pay, and is eligible for the annual discretionary incentive plan.

Requirements

Bachelor’s degree in a related field.
Seven years of credit-related experience, or five years of third-line-of-defense credit risk assurance, regulatory, or credit approval/management experience.
Experience writing risk management review reports.
Ability to learn additional systems as needed.
Ability to research and analyze data and derive facts.
Ability to work in a team environment when applicable.
Ability to work autonomously with limited guidance.
Ability to work under pressure and meet deadlines.
Proficiency in Microsoft Office Suite, including Excel, Word, PowerPoint, and Outlook.
Strong organizational skills.
Strong verbal and written communication skills.
Strong work ethic and self-motivation.

Responsibilities

Maintain working knowledge of sound lending practices, lending regulations, and the bank’s loan policy and underwriting guidelines.
Review credit exposures to provide assurance of compliance with Regions' credit policies and safe and sound banking practices.
Participate in or lead credit risk review examinations, including horizontal reviews across lines of business and geographies.
Develop and maintain positive working relationships with line-of-business management, credit risk management, audit staff, and other departments.
Analyze trends in quality and performance metrics, review transactions, and assess processes associated with origination and servicing of assigned loan portfolios.
Identify and monitor the evolution of key risk-direction drivers for assigned portfolios.
Perform ad hoc analysis of credit risk issues, often aggregating transaction data using spreadsheet or database software.
Maintain specialized knowledge for assigned lines of business, including knowledge needed to assess periodic validation of credit scoring models or portfolio valuation techniques, as applicable.
Propose appropriate ratings and risk-direction assessments; help develop findings and conclusions, present results to senior managers, and complete written reports within departmental guidelines.
Maintain documentation supporting the review process and findings.
Maintain thorough knowledge of credit risk review procedures, sound lending practices, credit policies, and regulatory requirements.
Offer advice and guidance to junior examiners, supporting skill development and continuous improvement initiatives.
Collaborate with senior management to develop team goals and objectives and support their consistent achievement.
Serve as lead examiner for assigned lines of business for continuous credit-risk monitoring between examinations, as needed.