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.

At Regions, the Credit Risk Review Examiner continuously monitors and examines activities. This position assesses and reports the status and direction of credit risk within the assigned portfolios. The Examiner identifies risk direction drivers, evaluates origination quality, portfolio quality and elements of credit risk management by review of various credit metrics, transaction testing and periodic interaction with first and second line of defense business managers, staff and other risk assessment functions. They identify issues that require management attention, communicate and summarize review findings in applicable report format for risk rating accuracy, policy compliance and prudent credit risk management practices.

Primary Responsibilities

• Maintains a working knowledge of sound lending practices, lending regulations, and the bank’s loan policy and underwriting guidelines
• Reviews credit exposures to provide assurance of compliance with Regions' credit policies as well as safe and sound banking practices
• Participates in credit risk review examinations
• Develops and maintains positive working relationships with line of business management, credit risk management, audit staff, and other departments
• Analyzes trends in key quality and performance metrics, reviews transactions, and assesses processes associated with the origination and servicing of assigned loan portfolios
• Identifies and monitors evolution of key risk direction drivers for assigned portfolios
• Independently performs ad hoc analysis of credit risk issues, frequently requiring aggregation of transaction data through use of spreadsheet or database software
• Maintains specialized knowledge as required for assigned lines of business, which may include expertise required to assess periodic validation of credit scoring models, understanding portfolio valuation techniques, etc.
• Proposes appropriate ratings and risk direction assessments on occasion and participates in developing findings and conclusions, presenting results to senior managers, and in completing written reports within departmental guidelines
• Maintains information or work papers to support review process and findings
• Maintains a thorough knowledge of credit risk review procedures, sound lending practices, credit policies, and regulatory requirements
• May offer advice and guidance to junior examiners where appropriate

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 related field
• Five (5) years of relevant experience, preferably in risk management

Preferences

• Experience writing risk management review reports

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 limited 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

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:

$83,065.40 USD

50th Percentile:

$102,650.00 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.

Location:

Birmingham, 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.