Credit Products Commercial Portfolio Manager

Regions; Atlanta (GA); Presencial; USD 102.000 - 125.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

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

Volunteer Program

Descripción de la vacante

Regions Financial Corporation in Atlanta, GA is seeking a Credit Products Commercial Portfolio Manager to lead the end-to-end commercial credit process with prospects and clients. The role partners with relationship managers to structure optimal financing solutions and manage risk across a complex portfolio.

The position requires a finance or accounting background, 5 years in underwriting, and strong analytical and communication skills.

Formación

• Bachelor's degree in Finance, Accounting or a related field.
• Five (5) years of experience in commercial underwriting.
• Subject Matter Expert level understanding of accounting and finance, financial statement and cash flow analysis.

Responsabilidades

• Executes on the Bank's commercial loan origination strategy by working directly with prospects, clients, and centers of influence to develop optimal financing structures to address borrowing needs.
• Underwrites, structures, and documents prospect and client transactions above a designated threshold, generally the most complex and largest of client relationships and circumstances.
• Manages the assigned portfolio by monitoring performance and trends, proactively defining client credit solutions, identifying issues and developing remediation and underwriting on a timely basis.
• Ensures all credit process metrics are within prescribed tolerances.
• Maintains accountability for the risk evaluation and associated compliance requirements as defined in respective roles and responsibility matrix for AML, CRA/HMDA, Reg B, and other regulatory/compliance requirements within assigned portfolio and for prospects.
• Reviews interim new money requests for relationships managed up to a defined limit.

Conocimientos

Analytical skills

Stakeholder collaboration

Verbal and written communication

Educación

Bachelor's degree in Finance or Accounting

Descripción del empleo

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 Regions, the Credit Products Commercial Portfolio Manager is a client-facing role that is responsible for independently leading all aspects of the entire commercial credit process both internally and externally with prospects and clients. The Portfolio Manager partners closely with Regions' relationship managers to execute on the Bank's commercial loan origination strategy by working directly with Regions' prospects, clients, and centers of influence to develop optimal financing structures to address borrowing needs.

Primary Responsibilities

• Executes on the Bank's commercial loan origination strategy by working directly with Regions' prospects, clients, and centers of influence to develop optimal financing structures to address borrowing needs
• Underwrites, structures, and documents prospect and client transactions above a designated threshold, generally the most complex and largest of client relationships and circumstances
• Manages the assigned portfolio by monitoring performance and trends, proactively defining client credit solutions, identifying issues and developing remediation and underwriting on a timely basis
• Ensures all credit process metrics are within prescribed tolerances
• Maintains accountability for the risk evaluation and associated compliance requirements as defined in respective roles and responsibility matrix for AML, CRA/HMDA, Reg B, and other regulatory/compliance requirements within assigned portfolio and for prospects
• Reviews interim new money requests for relationships managed up to a defined limit

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 Finance, Accounting or a related field
• Five (5) years of experience in commercial underwriting
• Subject Matter Expert level understanding of accounting and finance, financial statement and cash flow analysis

Preferences

• Completion of a major corporate credit training program (or the equivalent corporate banking/corporate finance experience)

Skills and Competencies

• Ability to work collaboratively with multiple stakeholders
• Strong analytical and problem solving skills
• Strong verbal and written communication skills
• Well organized, detail-oriented, and ability to multi-task

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

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.

Job Range Target:

Minimum:

$113,686.65 USD

Median:

$136,216.50 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

• 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

Please note, benefits and plans may be changed, amended, or terminated with respect to all or any class of associate at any time. To learn more about Regions' benefits, please click or copy the link below to your browser.

Location Details

Atlanta Midtown

Location

Atlanta, Georgia

Equal Opportunity Employer/including Disabled/Veterans

Job applications at Regions are accepted electronically through our career site for a minimum of five business days from the date of posting. Job postings for higher-volume positions may remain active for longer than the minimum period due to business need and may be closed at any time thereafter at the discretion of the company.