Real Estate Credit Solutions Architect

Regions Bank; Orlando (FL); On-site; USD 130,000 - 170,000; 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

Regions Bank, Atlanta Midtown, is seeking a Credit Products Real Estate Product Specialist. The role partners with coverage on extending credit products transactions to meet client needs and serves in the first line of defense by identifying and mitigating risk.

Primary responsibilities include leading the credit process from structuring to closing, maintaining market knowledge, and coordinating with deal teams. Strong underwriting and portfolio management experience required.

Qualifications

• Bachelor’s degree
• Seven years of experience in real estate underwriting, financial analysis, and portfolio management.
• Completion of a corporate credit training program (or equivalent corporate banking/finance or real estate experience)
• Strong understanding of loan structuring needs, loan documentation requirements, and market knowledge
• Financial analysis experience
• Relationship management experience, either as a coverage banker or as a client facing member of a relationship team
• Legal documentation experience

Responsibilities

• Leads the credit process on credit opportunities including structuring, underwriting, loan documentation/negotiation, and closing
• Maintains market knowledge of loan pricing, structural trends, and emerging risks within the various real estate sectors to better understand each client's needs and ensure those needs align with Regions' risk profile
• Attends calls with coverage bankers to understand clients’ needs and the business strategy around the real estate portfolio, assets with financing opportunities, and cross-sell opportunities of treasury or capital markets products
• Collaborates with coverage bankers to develop strategies and deliver credit solutions to best meet client needs
• Serves as the primary contact with the Credit Risk team and presents loan requests for approval and/or modifications
• Coordinates with the deal team during the closing process, partnering with a coverage banker, fulfillment, Centralized Loan Administration (CLA) (if construction loan), internal, or external legal groups, clients, and others as necessary
• Supports the coverage banker around client selectivity that meets Regions’ risk profile
• Works with Associate I and II to address any issues discovered during loan servicing and monitoring activities, and takes the lead if significant modification or restructure is required
• May, if designated by the deal team, oversee all Credit Servicing activities of the portfolio to ensure servicing requirements are satisfied on a quarterly basis, including proactive identification and elevation of emerging risks and early warning indicators, at both the transaction or portfolio level, to the Team Lead, Market Manager, and Credit Risk partner

Skills

Credit underwriting

Portfolio management

Financial analysis

Relationship management

Legal documentation

Loan structuring

Communication skills

Attention to detail

Team collaboration

Problem solving

Education

Bachelor’s degree

Corporate credit training program

Job description

Regions Bank, Atlanta Midtown, is seeking a Credit Products Real Estate Product Specialist. The role partners with coverage on extending credit products transactions to meet client needs and serves in the first line of defense by identifying and mitigating risk.

Primary responsibilities include leading the credit process from structuring to closing, maintaining market knowledge, and coordinating with deal teams. Strong underwriting and portfolio management experience required.