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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 Senior Credit Officer II position is accountable for the credit quality (past dues, NPA, Criticized assets, Net Losses, Exceptions, etc.), profitability and growth of the total business loan portfolio for the assigned Credit Officer’s applicable business reporting unit or segment. The Senior Credit Officer II is responsible for ensuring execution of sound risk management practices as part of the 2nd Line of Defense, including communication of applicable information to maintain an environment of risk ownership and awareness. The position reports to a Corporate Bank Credit Division Manager.

Primary Responsibilities

+ Responsible for the overall creditworthiness of loan transactions within the assigned business reporting unit or segment

+ Manages applicable credit exposure to ensure adherence to Region’s Risk Appetite Statement and to all asset quality, diversification, and exposure parameters

+ Communicates and demonstrates sound risk management practices in order to maintain an environment of risk ownership and accountability

+ Exhibits accountability for the quality and profitability (return relative to risk) associated with transactions and credit portfolios within the assigned business unit or segment

+ Partners and consults with subject matter experts for leveraged lending, sponsor-backed and specialized industries loan transactions

+ Coordinates with multiple constituencies to improve efficiency, effectiveness, productivity and/or controls throughout the Credit/Underwriting process

+ Leads a team of Credit Officers overseeing credit quality, profitability and growth for geographic territories or defined segments within a business unit.

+ Provides leadership and accountability for teams relative to day-to-day responsibilities, building the best team and continuous improvement

+ Serves as Policy Editor for select policies under the purview of the respective Policy Executive and Policy Owner

+ Provides input on revisions/amendments to existing credit reference guidance on standards, documentation requirements, and underwriting practices

+ Serves as an additional trainer/mentor for Credit Products and Coverage teams for consistent application of sound underwriting practices

+ Serves on ad hoc projects as a contributing member or project leader

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 related field

+ Twelve (12) years of related experience

Preferences

+ Completion of a formal credit training program

Skills and Competencies

+ Broad knowledge of all credit disciplines and business strategy

+ Excellent verbal and written communication skills

+ Excellent organizational and time management skills

+ Excellent analytical and quantitative skills

+ Skilled in applicable computer software

+ Demonstrated leadership competency

Ideal candidates will demonstrate proficiency in commercial real estate analysis with an emphasis on the multifamily sector to execute against the following specific requirements:

+ Review and approve agency loan requests across conventional, affordable and small dollar transactions – demonstrated experience with Fannie Mae / Freddie Mac multifamily conventional, affordable and/or small dollar loan programs is essential

+ Provide effective challenge during the underwriting and structuring process to ensure compliance with risk appetite, established policy and underwriting standards

+ Monitor performance of the Real Estate Capital Markets portfolio by review and approval of portfolio and asset watchlist reports, action plans and risk ratings

+ Partner with associates across Real Estate Capital Markets to identify, monitor, mitigate and report existing and emerging portfolio and industry risks while supporting growth and business strategy

+ Develop and maintain a deep understanding of Fannie Mae and Freddie Mac multifamily investment parameters and loan requirements in order to effectively assess distribution risks when approving transactions, monitoring portfolio performance and revising loan policies and underwriting standards

+ Participate in periodic credit reviews, internal audits and exams of Real Estate Capital Markets

+ Participate in working groups and governance committee discussions regarding reserves for Real Estate Capital Markets credit portfolios and valuations of warehoused investment positions

+ Coach, mentor and train credit risk team members and origination partners in topics related to commercial real estate, agency lending and credit risk

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:_

$173,236.80 USD

_Median:_

$237,680.00 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.Opportunity to participate in the Long Term Incentive Plan.

Benefits Information

Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for benefits-eligible associates. (https://www.regions.com/about-regions/benefits/benefits-eligibility) 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

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.