Commercial Credit Portfolio Analyst

Regions Financial Corporation; Birmingham (AL); On-site; USD 50,000 - 71,000; Full time

Benefits offered by this job

Discretionary incentive plan

Job summary

Regions Financial Corporation in Birmingham, AL is seeking a Credit Products Commercial Portfolio Analyst to provide analytical support and identify underwriting risk in lending. You will gather data, perform in-depth research, and build strong relationships with client management, internal teams, credit officers, and bankers.

The role emphasizes risk assessment, monitoring of covenants, and maintaining complete credit files.

Qualifications

• Bachelor's degree in Finance, Accounting or related field.
• MBA preferred.
• Two years of experience in commercial underwriting.

Responsibilities

• Prepares credit approval packages on new and renewed credit products including determination of the appropriate risk rating as well as risk factors that could change the risk rating, analysis of financial performance, performance vs. projections, covenant compliance, relationship profitability (RAROC), and any other significant risk drivers
• Provides analysis of guarantors as needed to support credit underwriting
• Assists the Credit Products Commercial Portfolio Managers with review of loan documents pre-closing
• Reviews closing due diligence in collaboration with and oversight by Credit Products Manager
• Maintains credit files including post- closing items (Actively manages financial reporting requirements, covenant requirements, past dues and documentation exceptions and ensures credit files are complete with all up to date information)
• Assists with tickler implementation and maintenance
• Monitors portfolioand servicing activities in conjunction with Shared Services support
• Validates the appropriate risk rating for a company and proactively identifies risk rating changes
• Identifies opportunities for exposure reduction or new opportunities within assigned portfolio
• Develops a strong working knowledge of and insures compliance with internal bank commercial loan policy, credit risk

Skills

Collaborative work

Analytical skills

Verbal and written communication

Organization and multi-tasking

Education

Bachelor's degree in Finance, Accounting or related field

Master of Business Administration (MBA)

Job description

Regions Financial Corporation in Birmingham, AL is seeking a Credit Products Commercial Portfolio Analyst to provide analytical support and identify underwriting risk in lending. You will gather data, perform in-depth research, and build strong relationships with client management, internal teams, credit officers, and bankers.

The role emphasizes risk assessment, monitoring of covenants, and maintaining complete credit files.