Real Estate Capital Markets Senior Credit Officer

Regions Bank•Birmingham, AL

17d

About The Position

At Regions, the Senior Credit Officer II position is accountable for the credit quality (past dues, NPA, Criticized assets, Net Losses, Exceptions, etc.), profitability and growth of the total business loan portfolio for the assigned Credit Officer’s applicable business reporting unit or segment. The Senior Credit Officer II is responsible for ensuring execution of sound risk management practices as part of the 2nd Line of Defense, including communication of applicable information to maintain an environment of risk ownership and awareness. The position reports to a Corporate Bank Credit Division Manager.

Requirements

Bachelor’s degree in related field
Twelve (12) years of related experience
Broad knowledge of all credit disciplines and business strategy
Excellent verbal and written communication skills
Excellent organizational and time management skills
Excellent analytical and quantitative skills
Skilled in applicable computer software
Demonstrated leadership competency

Nice To Haves

Completion of a formal credit training program
Ideal candidates will demonstrate proficiency in commercial real estate analysis with an emphasis on the multifamily sector to execute against the following specific requirements:
Review and approve agency loan requests across conventional, affordable and small dollar transactions – demonstrated experience with Fannie Mae / Freddie Mac multifamily conventional, affordable and/or small dollar loan programs is essential
Provide effective challenge during the underwriting and structuring process to ensure compliance with risk appetite, established policy and underwriting standards
Monitor performance of the Real Estate Capital Markets portfolio by review and approval of portfolio and asset watchlist reports, action plans and risk ratings
Partner with associates across Real Estate Capital Markets to identify, monitor, mitigate and report existing and emerging portfolio and industry risks while supporting growth and business strategy
Develop and maintain a deep understanding of Fannie Mae and Freddie Mac multifamily investment parameters and loan requirements in order to effectively assess distribution risks when approving transactions, monitoring portfolio performance and revising loan policies and underwriting standards
Participate in periodic credit reviews, internal audits and exams of Real Estate Capital Markets
Participate in working groups and governance committee discussions regarding reserves for Real Estate Capital Markets credit portfolios and valuations of warehoused investment positions
Coach, mentor and train credit risk team members and origination partners in topics related to commercial real estate, agency lending and credit risk

Responsibilities

Responsible for the overall creditworthiness of loan transactions within the assigned business reporting unit or segment
Manages applicable credit exposure to ensure adherence to Region’s Risk Appetite Statement and to all asset quality, diversification, and exposure parameters
Communicates and demonstrates sound risk management practices in order to maintain an environment of risk ownership and accountability
Exhibits accountability for the quality and profitability (return relative to risk) associated with transactions and credit portfolios within the assigned business unit or segment
Partners and consults with subject matter experts for leveraged lending, sponsor-backed and specialized industries loan transactions
Coordinates with multiple constituencies to improve efficiency, effectiveness, productivity and/or controls throughout the Credit/Underwriting process
Leads a team of Credit Officers overseeing credit quality, profitability and growth for geographic territories or defined segments within a business unit.
Provides leadership and accountability for teams relative to day-to-day responsibilities, building the best team and continuous improvement
Serves as Policy Editor for select policies under the purview of the respective Policy Executive and Policy Owner
Provides input on revisions/amendments to existing credit reference guidance on standards, documentation requirements, and underwriting practices
Serves as an additional trainer/mentor for Credit Products and Coverage teams for consistent application of sound underwriting practices
Serves on ad hoc projects as a contributing member or project leader