Credit Risk Review Examiner

Regions Bank; Birmingham (AL); On-site; USD 106,000 - 151,000; Full time

Benefits offered by this job

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

Job summary

Regions Bank in Hoover, Alabama seeks a Credit Risk Review Examiner to monitor credit risk, analyze trends, and assess origination quality across loan portfolios. The role requires deep knowledge of lending practices, regulatory requirements, and collaboration with risk partners to deliver formal risk reports.

The position emphasizes leadership in examinations, strong analytical ability, and the capacity to work with cross-functional teams while maintaining meticulous documentation and adherence

Qualifications

• Bachelor’s degree in a related field.
• Seven (7) years of credit-related experience, or five (5) years of third line of defense credit risk assurance, regulatory, or credit approval/management experience.
• Experience writing risk management review reports.

Responsibilities

• Maintains a working 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, and safe and sound banking practices.
• Participates and/or takes a leadership role in credit risk review examinations, which may include horizontal reviews across lines of business and geographies.
• 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.
• Identifies and monitors the evolution of key risk direction drivers for assigned portfolios.
• Performs ad hoc analysis of credit risk issues independently, frequently requiring aggregation of transaction data through the 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 completing written reports within departmental guidelines.
• Maintains documentation to support review process and findings.
• Maintains a thorough knowledge of credit risk review procedures, sound lending practices, credit policies, and regulatory requirements.
• Offers advice and guidance to junior examiners, assisting in the development of necessary skills and the promotion of continuous improvement initiatives
• Collaborates with senior management in the development of team goals and objectives, ensuring consistent achievement
• May serve as the lead examiner for assigned line(s) of business for continuous monitoring of credit risk conducted between examinations.

Skills

Analytical thinking

Research & data analysis

Team collaboration

Autonomy

Pressure management

MS Office proficiency

Organization

Verbal and written communication

Education

Bachelor’s degree in a related field

Tools

Excel

Word

PowerPoint

Outlook

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.

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 Risk Review Examiner continuously monitors and examines activities, assessing and reporting the status and direction of credit risk within assigned portfolios. This role identifies key credit risk trends and evaluates origination quality, portfolio performance, and credit risk management practices through analysis of credit metrics, transaction testing, and ongoing engagement with first- and second-line business and risk partners. This position identifies issues requiring management attention and communicates review findings through formal reporting on risk rating accuracy, policy compliance, and sound credit risk management practices.

Primary Responsibilities

• Maintains a working 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, and safe and sound banking practices
• Participates and/or takes a leadership role in credit risk review examinations, which may include horizontal reviews across lines of business and geographies
• 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
• Identifies and monitors the evolution of key risk direction drivers for assigned portfolios
• Performs ad hoc analysis of credit risk issues independently, frequently requiring aggregation of transaction data through the 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 completing written reports within departmental guidelines
• Maintains documentation to support review process and findings
• Maintains a thorough knowledge of credit risk review procedures, sound lending practices, credit policies, and regulatory requirements
• Offers advice and guidance to junior examiners, assisting in the development of necessary skills and the promotion of continuous improvement initiatives
• Collaborates with senior management in the development of team goals and objectives, ensuring consistent achievement
• May serve as the lead examiner for assigned line(s) of business for continuous monitoring of credit risk conducted between examinations

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 a related field
• Seven (7) years of credit-related experience, or five (5) 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 well autonomously, with limited guidance
• Ability to work well under pressure and meet deadlines
• Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint, Outlook, etc.)
• Strong organizational skills
• Strong verbal and written communication skills
• Strong work ethic and self-motivation

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

$105,729.80 USD

Median

$150,740.00 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.

Benefits Information

Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for benefits-eligible associates. Listed below is a synopsis of the benefits offered by Regions for informational purposes, which is not intended to be a complete summary of plan terms and conditions.

• 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

Riverchase Complex North Building

Location

Hoover, Alabama

Equal Opportunity Employer/including Disabled/Veterans