Credit Products Specialized Industries Associate - Oil & Gas

Regions Financial Corporation; Houston (TX); Sur place; USD 94 000 - 114 000; Plein temps

Avantages offerts par ce poste

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

Résumé du poste

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.

Responsabilités

• 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.

Connaissances

Analytical skills

Problem solving

Communication

Portfolio management

Formation

Bachelor's degree in Finance

Description du poste

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, theCredit Products Specialized Industries AssociatesupportsCredit Products Specialized Industries Managers in identifying and mitigating risks in existing and proposedcredit products. As a member of the First Line of Defense, this role analyzes new commercial credit opportunities, underwrites new or renewed credit exposure, and manages a portfolio of loans and other credit relationships in conjunction with a manager.

Primary 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
• Analyzes guarantors as needed to support credit underwriting
• Assists Credit Products Specialized Industries Managers with their review of pre-closing loan documents and closing due diligence
• Manages financial reporting requirements, covenant requirements, past dues and documentation exceptions
• Ensures credit files are complete with all up to date information
• Provides tickler implementation and maintenance
• Monitors portfolios and servicing activities in conjunction with Credit Products 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
• Participates in research, preparation and execution of customer and prospect calls
• Participates in identifying financial solutions that meet the client’s needs and the Bank’s risk acceptance criteria
• Ensures compliance with internal bank commercial loan policy, credit risk management policy, and external regulatory requirements; documents any exceptions to policy and related rationale/mitigants

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
• Two (2) years of underwriting experience or financial services analysis and accounting experience
• Completion of a major corporate credit training program (or the equivalent corporate banking/corporate finance experience)
• Ability to competently complete credit packages and credit services agreements with management oversight

Skills and Competencies

• Ability to identify and voice issues; self-initiates discussions
• Ability to perform quality analysis and display competency in completion and oversight of client portfolio management activities
• Excellent verbal and written communication skills
• Strong analytical and problem solving skills
• Well organized, detail-oriented, and ability to manage and/or lead multiple projects under pressure
• Works collaboratively with multiple stakeholders

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

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:

$104,034.08 USD

Median:

$136,918.50 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.

https://www.regions.com/about-regions/welcome-portal/benefits

Location Details

Greenway Plaza

Location:

Houston, Texas

Equal Opportunity Employer/including Disabled/Veterans