Real Estate Credit Solutions Lead

Regions Bank; Florida; On-site; USD 131,000 - 162,000; Full time

Benefits offered by this job

Paid Vacation/Sick Time

401K with Company Match

Medical, Dental and Vision Benefits

Parental Leave

Employee Assistance Program

Job summary

Regions Bank is seeking a senior credit underwriting professional to lead the credit process for real estate opportunities, including structuring, underwriting, and closing. You will work with coverage bankers to align client needs with Regions' risk profile and present loan requests to Credit Risk for approval.

You will collaborate with deal teams, attorneys and clients to deliver credit solutions, manage portfolio risk, and oversee servicing activities as needed.

Qualifications

• Bachelor’s degree in a relevant field and seven years of real estate underwriting and portfolio management experience.
• Completion of a corporate credit training program or equivalent experience in corporate banking/finance.
• Strong loan structuring knowledge and market awareness for real estate financing.
• Demonstrated financial analysis skills and ability to manage client relationships.
• Experience with loan documentation and credit agreements is preferred.
• Ability to lead discussions, manage multiple projects and work with cross-functional teams.

Responsibilities

• Leads the credit process on opportunities including structuring, underwriting, loan documentation and closing.
• Maintains market knowledge of loan pricing, trends, and risks across real estate sectors.
• Attends calls with coverage bankers to understand client needs and cross-sell products.
• Collaborates to develop strategies and deliver credit solutions meeting client needs.
• Presents loan requests to Credit Risk for approval or modification.
• Coordinates with the deal team during closing and interacts with legal groups and clients.

Skills

Analytical skills

Credit underwriting

Real estate loan structuring

Communication skills

Leadership

Portfolio management

Risk analysis

Collaboration

Education

Bachelor’s degree

Corporate credit training

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 Products Real Estate Product Specialist is a client-facing role, partnering directly with coverage on the extension of credit products transactions to meet clients’ needs. This role serves as part of the first line of defense, with the coverage team, by identifying and mitigating risk in existing and proposed credit products transactions.

Primary 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

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

• 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

Preferences

• Bachelor’s degree, preferably in Business Administration, Real Estate, Accounting, or Finance

Skills and Competencies

• Ability to identify issues and recommend well thought out solutions to deal team, approvers, and clients

• Ability to independently complete or review (for accuracy and completion) credit underwriting packages, supporting tools, Risk Rating Grades, Credit Agreements, and other loan documentation

• Ability to manage and lead multiple projects while under pressure

• Ability to self-initiate and lead credit discussions

• Ability to structure real estate loans with strong market knowledge

• Ability to work collaboratively with multiple stakeholders

• High level of quality in analysis and competency of completion in, and oversight of, portfolio management activities

• Strong analytical and critical thinking skills

• Strong verbal and written communication skills

• Well organized and detail-oriented

• This position may be filled at a higher level depending on the candidate's qualifications and relevant experience.
• Homebuilder Finance experience preferred.

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:

Minimum:

$130,749.47 USD

Median:

$161,826.00 USD

Incentive Pay Plans:

This role is eligible to participate in a discretionary incentive plan. Employees have the potential to receive a discretionary award based on performance against defined metrics and goals.

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

Atlanta Midtown

Location:

Atlanta, Georgia

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.