Credit Risk Review Examiner

Regions Bank; Birmingham (AL); On-site; USD 104,674 - 127,935; 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

Associate Volunteer Program

Job summary

A well-known financial institution is seeking a Credit Risk Review Examiner in Birmingham, Alabama. This role involves monitoring credit risk and ensuring compliance with lending practices and regulations. Candidates must possess a bachelor's degree, twelve years of related experience, and the ability to write risk management reports. The successful applicant will lead reviews and develop strong working relationships, making a substantial impact on credit risk management. The position offers competitive compensation and participation in the incentive plan.

Qualifications

• Twelve years of credit-related experience or eight years in credit risk assurance.
• Experience writing risk management review reports.

Responsibilities

• Serves as a subject matter expert in lending practices and regulations.
• Reviews credit exposures for compliance with bank policies.
• Leads credit risk review examinations with minimal guidance.
• Analyzes performance metrics and assesses loan origination processes.
• Conducts ad hoc analysis of complex credit risk issues.
• Collaborates with management on evolving regulations.
• Advises junior examiners in skill development initiatives.

Skills

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

Strong verbal communication skills

Strong written communication skills

Strong organizational skills

Strong work ethic

Self-motivation

Education

Bachelor’s degree in related field

Tools

Microsoft Office Suite

Job description

Overview

Thank you for your interest in a career at Regions. At Regions, associates deserve more than just a job. We offer performance-driven individuals a place to build a career with opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed, Regions may be your employer of choice.

Regions is dedicated to safeguarding private and personally identifiable information submitted by candidates. Information submitted will be collected and reviewed by Regions associates, consultants, and vendors to evaluate your qualifications and experience for job opportunities and will not be used for marketing, sold, or shared outside Regions unless required by law. The information will be stored in accordance with regulatory requirements and 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. This position assesses and reports the status and direction of credit risk within the assigned portfolios. The Examiner identifies 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) years of 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

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.

• Minimum
• Job Range Target: $116,304.65 USD
• Median
• Incentive Pay Plans

The 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.

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

Regions Center

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.