Credit Risk Review Examiner

Regions Financial Corporation; Hoover (AL); On-site; USD 106,000 - 151,000; Full time

Job summary

Regions is seeking a Credit Risk Review Examiner in Hoover, Alabama to monitor and examine credit risk within assigned portfolios. You will analyze credit metrics, perform transaction testing, and engage with risk partners to ensure policy compliance and sound lending practices.

The role involves leading examinations, developing relationships across departments, and delivering findings to senior management. A bachelor's degree and 7 years of related experience are required.

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
• 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
• Maintains specialized knowledge for assigned lines of business
• Proposes appropriate ratings and risk direction assessments and presents results to senior managers
• Maintains documentation to support review process and findings
• Maintains knowledge of credit risk review procedures and regulatory requirements
• Offers guidance to junior examiners
• Collaborates with senior management in team goals
• May serve as lead examiner for assigned lines of business

Skills

Ability to learn additional systems as

Ability to research, analyze data

Ability to work in a team

Ability to work autonomously

Work under pressure

Microsoft Office Suite

Strong organizational skills

Strong verbal and written comms

Strong work ethic

Education

Bachelor’s degree in a related field

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, 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) yearsof 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

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:

$105,729.80 USD

50th Percentile:

$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.

Location:

Hoover, 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.