Ascentium Credit Analyst

Regions Bank; Houston (TX); On-site; USD 87,000 - 130,000; Full time

Benefits offered by this job

401K with Company Match

Medical, Dental and Vision Benefits

Paid Vacation/Sick Time

Parental Leave

Employee Assistance Program

Associate Volunteer Program

Job summary

Regions Bank is seeking a Credit Analyst in Kingwood, TX to evaluate commercial loan applications and support annual reviews. The role focuses on applying credit policies, producing accurate documentation, and collaborating with loan officers to deliver timely decisions.

Ideal candidates hold a bachelor’s degree in finance or business and have 7+ years in underwriting, with strong skills in credit analysis, reports, and MS Office.

Qualifications

• Bachelor’s degree in Business Administration, Finance, or a related field.
• Seven (7) years of experience in commercial/bank underwriting or related experience.

Responsibilities

• Reviews and analyzes complex credit information to make credit decisions within policies and regulations.
• Initiates, completes, and submits accurate credit-related reports and documentation promptly.
• Participates in development and maintenance of uniform credit policies and procedures to ensure consistency and satisfaction.
• Orders and reviews loan documentation and researches issues as needed.
• Gathers financial background information and develops credit studies for loan officers and committees.

Skills

Learn new systems

Prioritize multiple tasks

Data analysis

Teamwork

Deadline oriented

MS Office

Attention to detail

Financial ratio analysis

Credit reports knowledge

Communication

Work ethic

Education

Bachelor’s degree in Business Administration, Finance, or a related field

Job description

Thank you for your interest in a career at Regions. At Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career --- a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed, then we are your employer of choice.

Regions is dedicated to taking appropriate steps to safeguard and protect private and personally identifiable information you submit. The information that you submit will be collected and reviewed by associates, consultants, and vendors of Regions in order to evaluate your qualifications and experience for job opportunities and will not be used for marketing purposes, sold, or shared outside of Regions unless required by law. Such information will be stored in accordance with regulatory requirements and in conjunction with Regions’ Retention Schedule for a minimum of three years. You may review, modify, or update your information by visiting and logging into the careers section of the system.

Job Description

At Ascentium Capital, the Credit Analyst evaluates commercial loan applications for new loan transactions as well as for processing annual loan reviews on existing borrowers.

Ascentium Capital, a division of Regions Bank, provides convenient access to financing for business equipment and technology and serves small organizations to Fortune 500 companies with programs that benefit manufacturers, distributors and direct to businesses nationwide. Our finance specialization covers several segments, including technology, healthcare, hospitality, franchise, commercial vehicles, and other markets. We strive to be the premier provider of customized finance programs that add value to our customers' businesses.

Primary Responsibilities

• Reviews and analyzes complex credit information in order to make appropriate credit decisions within established policies and regulations
• Initiates, completes, and submits accurate credit-related reports and documentation on a timely basis in accordance with established business processes and assists the origination channels in achieving business goals and objectives
• Participates in the development, implementation, and maintenance of uniform credit policies and procedures to ensure consistency and enhance external and internal customer satisfaction
• Orders and reviews loan documentation and researches any issues as needed
• Gathers and maintains financial background information on present and prospective customers and develops credit studies for loan officers and committees as needed
• Develops, implements, and maintains uniform credit policies and procedures to ensure consistency and enhance external and internal customer satisfaction
• Works closely with the senior executives on all business opportunities and issues related to credit policies and credit decisions
• Coordinates communication between the sales team, potential customers, and the review committee on credit, underwriting, and funding related issues
• Works in conjunction with the appropriate managers and executives to support each business units' performance goals and service standards
• Provides recommendations and feedback regarding continuous improvement opportunities
• Works under limited supervision following established guidelines and procedures
• Provides advice and guidance to junior specialists as needed

This position is exempt from timekeeping requirements under the Fair Labor Standards Act and is not eligible for overtime pay.

This position is incentive eligible.

Requirements

• Bachelor’s degree in Business Administration, Finance, or a related field
• Seven (7) years of experience in commercial/bank underwriting or related experience

Preferences

• Experience with Fair Isaac credit models
• Completion of a formal bank underwriting training

Skills And Competencies

• Ability to learn additional systems as needed
• Ability to manage multiple priorities
• Ability to research, analyze data, and derive facts
• Ability to work in a team environment when applicable
• Ability to work under pressure and meet deadlines
• Proficiency in Microsoft Office (Excel, Word, PowerPoint, Outlook, etc.)
• Strong attention to detail and proof-reading skills
• Strong skills in calculating financial ratios
• Strong understanding of personal and business credit reports
• Strong verbal, written communication, and organizational skills
• Strong work ethic and self-motivation

Position Type

Full time

Compensation Details

Pay ranges are job specific and are provided as a point-of-market reference for compensation decisions. Other factors which directly impact pay for individual associates include: experience, skills, knowledge, contribution, job location and, most importantly, performance in the job role. As these factors vary by individuals, pay will also vary among individual associates within the same job.

The target information listed below is based on the Metropolitan Statistical Area Market Range for where the position is located and level of the position.

Minimum

Job Range Target

$87,335.08 USD

Median

$115,861.80 USD

Incentive Pay Plans

This role is eligible to participate in a discretionary incentive plan. Employees have the potential to receive a discretionary award based on performance against defined metrics and goals.

Benefits Information

Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for benefits-eligible associates. Listed below is a synopsis of the benefits offered by Regions for informational purposes, which is not intended to be a complete summary of plan terms and conditions.

• Paid Vacation/Sick Time
• 401K with Company Match
• Medical, Dental and Vision Benefits
• Disability Benefits
• Health Savings Account
• Flexible Spending Account
• Life Insurance
• Parental Leave
• Employee Assistance Program
• Associate Volunteer Program

Location Details

Ascentium Kingwood

Location

Kingwood, Texas

Equal Opportunity Employer/including Disabled/Veterans