Real Estate Credit Solutions Lead

Regions Bank; Atlanta (GA); On-site; USD 130,749 - 190,000; Full time

Job summary

Regions Bank in Atlanta, GA is seeking a Credit Products Real Estate Product Specialist to lead the credit process for real estate transactions, including structuring, underwriting, and closing. The role partners with coverage teams to assess client needs and mitigate risk, while interfacing with Credit Risk for loan approvals.

Applicants should have a strong background in real estate underwriting, financial analysis, and portfolio management, with a proven ability to manage multiple projects

Qualifications

• Bachelor’s degree in a relevant field.
• Seven (7) 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, 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

Loan structuring

Risk mitigation

Portfolio management

Client-facing

Financial analysis

Relationship management

Legal documentation

Education

Bachelor’s degree

Tools

CLA processes

Credit risk presentations

Loan documentation packages

Job description

Regions Bank in Atlanta, GA is seeking a Credit Products Real Estate Product Specialist to lead the credit process for real estate transactions, including structuring, underwriting, and closing. The role partners with coverage teams to assess client needs and mitigate risk, while interfacing with Credit Risk for loan approvals.

Applicants should have a strong background in real estate underwriting, financial analysis, and portfolio management, with a proven ability to manage multiple projects