Credit Risk Review Examiner

Regions Financial Corporation; Birmingham (AL); On-site; USD 116,000 - 166,000; Full time

Job summary

Regions Financial Corporation in Birmingham, Alabama is seeking a Credit Risk Review Examiner to monitor and assess credit risk across loan portfolios. You will review exposures for compliance with policies and lead examinations with cross‑functional teams.

The role requires deep knowledge of lending practices, regulatory requirements, and the ability to communicate findings to senior management. A strong background in risk reporting and data analysis is essential.

Qualifications

• Bachelor’s degree in related field is required.
• Twelve years of credit-related experience or eight years in third line of defense credit risk assurance is required.
• Experience writing risk management review reports.

Responsibilities

• Serves as a subject matter expert with advanced knowledge of lending practices and policy.
• Reviews credit exposures for compliance with credit policies and safe banking practices.
• Leads risk review examinations and collaborates with senior management.
• Develops relationships with line of business management and risk functions.
• Analyzes trends in quality and performance metrics for loan portfolios.
• Identifies evolution of risk drivers and performs ad hoc analyses.
• Maintains knowledge of credit risk review procedures and regulatory requirements.
• Mentors junior examiners and supports continuous improvement initiatives.

Skills

Learn new systems

Data analysis

Team collaboration

Work under pressure

Microsoft Office

Strong communication

Self-motivation

Education

Bachelor’s degree in related field

12 years of credit-related experience, or 8 years in third line of defense

Tools

Microsoft Office

Job description

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.

At Regions, the Credit Risk Review Examiner continuously monitors and examines activities. Thispositionassesses and reports the status and direction of credit risk within the assignedportfolios. The Examineridentifies risk direction drivers, evaluates origination quality, portfolio quality, and elements of credit risk management by review of various credit metrics, transaction testing, and periodic interaction with first and second line of defense business managers, staff, and other risk assessment functions. They identify issues that require management attention and will communicate and summarize review findings in applicable report format for risk rating accuracy, policy compliance, and prudent credit risk management practices.

Primary Responsibilities

• Serves as a subject matter expert and maintains an advanced knowledge of sound lending practices, lending regulations, and the bank’s loan policy and underwriting guidelines
• Reviews credit exposures to provide assurance of compliance with Regions' credit policies as well as safe and sound banking practices
• Participates and/or takes a leadership role in credit risk review examinations, which may include horizontal reviews that cross lines of business and geographies with minimal guidance from management
• Develops and maintains positive working relationships with line of business management, credit risk management, audit staff, and other departments
• Analyzes trends in key quality and performance metrics, reviews transactions, and assesses processes associated with the origination and servicing of assigned loan portfolios
• Leads the identification and monitoring of evolution of key risk direction drivers for assigned portfolios
• Independently performs ad hoc analysis of often complex credit risk issues, frequently requiring aggregation of transaction data through use of spreadsheet or database software
• Maintains specialized knowledge as required for assigned lines of business, which may include expertise required to assess periodic validation of credit scoring models, understanding portfolio valuation techniques, etc.
• Proposes appropriate ratings and risk direction assessments and participates in developing findings and conclusions, presenting results to senior managers, and in completing written reports within departmental guidelines
• Maintains information or work papers to support review process and findings
• Maintains a thorough knowledge of credit risk review procedures, sound lending practices, credit policies, and regulatory requirements
• May serve as lead review analyst for assigned line(s) of business for continuous monitoring of credit risk conducted between examinations
• Collaborates with senior management in maintaining relevant knowledge of evolving and changing regulations and policies
• Collaborates with senior management in the development of team goals and objectives, ensuring consistent achievement
• Offers advice and guidance to junior examiners, assisting in the development of necessary skills and the promotion of continuous improvement initiatives

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 related field
• Twelve (12) yearsof credit-related experience, or eight (8) years of third line of defense credit risk assurance, regulatory, or credit approval/management experience
• Experience writing risk management review reports

Skills and Competencies

• Ability to learn additional systems as needed
• Ability to research, analyze data, and derive facts
• Ability to work in a team environment when applicable
• Ability to work under pressure and meet deadlines
• Proficiency in Microsoft Office (Excel, Word, PowerPoint, Outlook, etc.)
• Strong verbal, written communication, and organizational skills
• Strong work ethic and self-motivation

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:

$116,304.65 USD

50th Percentile:

$165,820.00 USD

Incentive Pay Plans:

This role is eligible to participate in the annual discretionary incentive plan. Employees are eligible to receive a discretionary award based on individual, business, and/or company performance.Opportunity to participate in the Long Term Incentive Plan.

Location:

Birmingham, Alabama

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.