Credit Products Specialist: Industrial Underwriting & Risk

Regions Financial Corporation; Houston (TX); On-site; USD 94,000 - 114,000; Full time

Benefits offered by this job

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

Job summary

Regions Financial Corporation is seeking a Credit Products Specialized Industries Associate in Houston, TX. The role supports Managers by underwriting new or renewed credit exposure and managing a loan portfolio as part of the first line of defense.

You will prepare credit approval packages, analyze performance, and ensure compliance with bank policies and regulatory standards while coordinating with multiple stakeholders to optimize client solutions.

Qualifications

• Bachelor’s degree in Finance, Accounting or related field.
• Two years of underwriting experience or financial services analysis and accounting experience.
• Completion of a major corporate credit training program or equivalent experience.
• Ability to competently complete credit packages and credit services agreements with management oversight.

Responsibilities

• Prepares credit approval packages on new and renewed credit products including risk rating and factors.
• Analyzes guarantors to support credit underwriting.
• Assists with review of pre-closing loan documents and due diligence.
• Manages financial reporting requirements, covenant requirements, past dues and documentation exceptions.
• Ensures credit files are complete with up-to-date information.
• Provides tickler implementation and maintenance.
• Monitors portfolios and servicing activities in conjunction with Credit Products support.
• Validates risk rating and identifies changes.
• Identifies opportunities for exposure reduction or new opportunities within portfolio.
• Participates in research and execution of customer and prospect calls.
• Identifies financial solutions that meet client needs and bank risk criteria.
• Ensures compliance with internal policies and external regulatory requirements.

Skills

Analytical skills

Problem solving

Communication

Portfolio management

Education

Bachelor's degree in Finance

Job description

Regions Financial Corporation is seeking a Credit Products Specialized Industries Associate in Houston, TX. The role supports Managers by underwriting new or renewed credit exposure and managing a loan portfolio as part of the first line of defense.

You will prepare credit approval packages, analyze performance, and ensure compliance with bank policies and regulatory standards while coordinating with multiple stakeholders to optimize client solutions.