Credit Products Commercial Portfolio Analyst

Regions Financial; Montgomery (AL); On-site; USD 49,290 - 61,371; Full time

Benefits offered by this job

401K with Company Match

Medical, Dental, and Vision Benefits

Paid Vacation/Sick Time

Disability Benefits

Health Savings Account

Flexible Spending Account

Life Insurance

Parental Leave

Employee Assistance Program

Associate Volunteer Program

Job summary

Regions Financial in Montgomery, AL is seeking a Credit Products Commercial Portfolio Analyst to provide analytical support to Commercial Portfolio Managers. You will gather data, perform in-depth research, and help identify and mitigate underwriting risk while building strong relations with client management, internal teams, credit officers, and other bankers.

The role emphasizes preparing credit approval packages, reviewing loan documents pre-closing, maintaining credit files, and ensuring

Qualifications

• Bachelor’s degree in Finance, Accounting, or related field required.
• Two years of commercial underwriting experience.
• MBA preferred.
• Strong analytical and problem-solving abilities.
• Excellent verbal and written communication skills.

Responsibilities

• Prepare credit approval packages for new and renewed credit products, including risk ratings and covenant analysis.
• Analyze guarantors to support underwriting.
• Assist with pre-closing loan document review.
• Review closing due diligence with Credit Products Manager.
• Maintain credit files and manage reporting, covenants, and documentation.
• Support tickler implementation and maintenance.
• Monitor portfolio and servicing activities with Shared Services.
• Validate risk ratings and identify changes.
• Identify opportunities for exposure reduction or new opportunities within the portfolio.
• Ensure compliance with internal loan policies and credit risk procedures.

Skills

Analytical thinking

Problem-solving

Verbal communication

Written communication

Collaboration

Detail-oriented

Education

Bachelor's degree in Finance, Accounting, or related field

MBA (preferred)

Job description

Job Description

Credit Products Commercial Portfolio Analyst provides analytical support to Credit Products Commercial Portfolio Managers. The analyst gathers information and performs in‐depth research to identify, quantify, and mitigate underwriting risk inherent in extending the bank’s capital. The analyst develops strong working relationships with client management, internal teammates, credit officers, and other bankers.

Primary Responsibilities

• Prepare credit approval packages on new and renewed credit products, including determination of the appropriate risk rating, risk factors that could change the risk rating, analysis of financial performance, performance vs. projections, covenant compliance, relationship profitability (RAROC), and other significant risk drivers.
• Provide analysis of guarantors as needed to support credit underwriting.
• Assist Credit Products Commercial Portfolio Managers with review of loan documents pre‑closing.
• Review closing due diligence in collaboration with and oversight by Credit Products Manager.
• Maintain credit files, including post‑closing items; actively manage financial reporting requirements, covenant requirements, past dues and documentation exceptions, and ensure credit files are complete and up to date.
• Assist with tickler implementation and maintenance.
• Monitor portfolio and servicing activities in conjunction with Shared Services support.
• Validate the appropriate risk rating for a company and proactively identify risk rating changes.
• Identify opportunities for exposure reduction or new opportunities within the assigned portfolio.
• Develop a strong working knowledge of and insure compliance with internal bank commercial loan policy and credit risk procedures.

Requirements

• Bachelor’s degree in Finance, Accounting, or related field.
• Preferred: Master of Business Administration (MBA).
• Two (2) years of experience in commercial underwriting.
• Ability to work collaboratively with multiple stakeholders.
• Strong analytical and problem‑solving skills.
• Strong verbal and written communication skills.
• Well organized, detail‑oriented, and able to multi‑task.

Position Type

Full time

Compensation

Pay ranges are job specific and are provided as a point‑of‑market reference for compensation decisions. The position is incentive eligible. The target information listed below is based on the Metropolitan Statistical Area Market Range for the location and level of the position.

• Minimum: $49,290.84 USD
• Median: $61,371.00 USD

Benefits

• 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

Employment Conditions

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

EEO Statement

OFCCP Disclosure: Equal Opportunity Employer/Disabled/Veterans.