• Credit Risk Associate - Capital Markets

    Regions Bank (Atlanta, GA)


    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 Risk Analyst – Capital Markets performs advanced credit risk analyst duties as a second line of defense function for the Regions’ Capital Markets business.

    Primary Responsibilities

    + Conducts complex identification, measurement, monitoring and reporting tasks related to the Capital Markets portfolio

    + Designs, develops and reports independent analyses

    + Resolves a range of problems and analyses solutions using standard procedures

    + Reviews credit approval packages in preparation for approval discussions. Provides summary of analysis and recommended questions for the meeting

    + Reviews and approves application letters and commitment letters for transactions approved by Real Estate Capital Markets

    + Completes and distributes a summary of all initial loan approvals to include any conditions for approvals as requirements for final approval package

    + Reviews detailed reports to monitor loan performance. Identifies potential performance issues and follows up with first line and credit risk parties to determine where loans warrant risk rating reviews

    + Reviews risk rating documentation and provides feedback

    + Acts as a resource to the team on topics related to policies, procedures, servicing requirements and capital markets-related reports

     

    This position is exempt from timekeeping requirements under the Fair Labor Standards Act and is not eligible for overtime pay.

    Requirements

    + Bachelor’s degree in Business, Finance, Risk Management, or related field

    + Five (5) years of related experience

    + Working knowledge of fundamental risk theories, principles, and concepts

    Skills and Competencies

    + Ability to learn additional systems as needed

    + Ability to research, analyze data, and derive facts

    + Ability to work in a team environment when applicable

    + Ability to work under moderate guidance

    + Ability to work under pressure and meet deadlines

    + Proficiency in Microsoft Office (Excel, Word, PowerPoint, Outlook, etc.)

    + Strong verbal, written communication, and organizational skills

    + Strong work ethic and self-motivation

    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:_

     

    $84,757.75 USD

     

    _Median:_

     

    $115,960.00 USD

    Incentive Pay Plans:

    This job may participate in an annual discretionary bonus 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.