Credit Products Commercial Specialty Underwriter en Regions Financial Corporation

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.

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Job Description:

At Regions, the Credit Products Commercial Specialty Underwriter is responsible for various aspects of the credit process, including analyzing specialty commercial credit requests, preparing credit approval packages, loan servicing, and developing optimal financing structures to address borrowing needs.  This position plays a critical role in supporting our specialty coverage groups including Agricultural and Franchise lending teams, by providing loan structuring recommendations and credit decisions.

Primary Responsibilities

• Executes on the Bank’s specialty loan origination strategy by working with clients and centers of influence to develop optimal financing structures to address borrowing needs

• Underwrites, structures, and documents specialty client transactions above a designated threshold, generally the most complex and largest of client relationships and circumstances

• Manages an assigned portfolio by monitoring performance and trends, proactively defining client credit solutions, identifying issues, and developing remediation, underwriting and approving credit as designated

• Supports prospecting initiatives and develops internal and external business networks to identify opportunities to enhance the profitability of the credit portfolio

• Ensures all credit process metrics are within prescribed tolerances

• Understands key risk drivers and articulates strengths of the deal, as well as weaknesses and mitigating factors

• Exercises independent judgment and adjudicates specialty credit requests

• Works collaboratively with multiple stakeholders, including credit officers and relationship managers

• Offers advice and guidance to less experienced underwriters, assisting in the development of necessary skills and contribution to 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 Finance, Accounting, or related field

• Seven (7) years of experience in agriculture or franchise lending, including underwriting, credit analysis, or portfolio management

Skills and Competencies

• Ability to work collaboratively with multiple stakeholders

• Demonstrated leadership capabilities

• Strong analytical and problem-solving skills

• Strong verbal and written communication skills

• Well organized, detail-oriented, and ability to multi-task

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:

$113,041.50 USD

Median:

$133,000.00 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/welcometour/benefits.rf

Location Details

Riverchase Complex North Building

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.

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