Government & Institutional Banking Credit Analyst

Regions Bank•Hoover, AL

1d•Onsite

About The Position

At Regions, the Commercial Credit Services Credit Analyst provides Portfolio Management and Underwriting support for the Credit Products group, including financial statement spreading, cash flow analysis, and credit approval package preparation. This role may also execute various credit servicing activities, including covenant testing, risk rating assessments, and formal documentation of ongoing monitoring and periodic assessment actions.

Requirements

Bachelor’s degree in Accounting, Finance, or a related field Or High School Diploma and four (4) years of commercial banking, loan underwriting, analysis, or portfolio management experience
Ability to identify and voice issues
Ability to multi-task and manage multiple projects and deadlines
Strong analytical and problem-solving skills
Strong attention to detail and organizational skills
Strong verbal and written communication skills

Nice To Haves

This position may be filled at a higher level depending on the candidate's qualifications and relevant experience.

Responsibilities

Spreads borrower interim and year-end financial statements in Moody's CreditLens (MCL) (and potentially in other software programs as well, if applicable)
Prepares cash flow analysis
Tests interim and year-end covenant compliance calculations
Tests interim and year-end benchmarks (if applicable)
Spreads and analyzes guarantor financial information (if applicable)
Prepares risk rating models on borrowers and guarantors
Prepares ongoing monitoring packages and periodic assessment packages
Prepares certain sections and appendices of credit approval packages
Assesses borrowers' requests to determine the appropriate underwriting channel