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Credit Analyst
Regions Financial
Hoover, AL, United States
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Job Description:
At Regions, the DPO Commercial Credit Services Credit Analyst I provides Portfolio Management and Underwriting support for the Debt Products Organization. Underwriting support includes financial statement spreading, Global Cash Flow analysis, and Credit Approval Package preparation. The DPO Commercial Credit Services Credit Analyst I may also execute various credit servicing activities, including covenant testing, risk rating assessments, and formal documentation of Ongoing Monitoring and Periodic Assessment actions.
Primary Responsibilities
• Spreads borrower interim and year-end financial statements in Moody’s Risk Analyst (MRA) (and potentially in other software programs as well, if applicable)
• Prepares Global Cash Flow analysis
• Tests interim and year-end covenant compliance calculations
• Tests interim and year-end benchmarks (if applicable)
• Spreads and analyzes guarantor financial information
• Prepares risk rating models on borrowers and guarantors
• Prepares Ongoing Monitoring packages and Periodic Assessment packages
• Prepares certain sections and appendices of Credit Approval Packages
• Assesses borrower request to determine appropriate underwriting channel
• Prepares tenant analysis in CRE transactions (when tenant is not borrower).
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 accounting, finance or related field (four (4) years of commercial loan underwriting, analysis or portfolio management experience may be substituted for a bachelor's degree)
Skills and Competencies
• Strong verbal and written communication skills
• Well organized, detail-oriented, and ability to multi-task
• Strong analytical and problem solving skills
• Ability to identify and voice issues
• Ability to work collaboratively with multiple stakeholders
*This position may be filled at a level I, II, III, or IV depending on experience and compensated accordingly.
Location:
Hoover, Alabama
EEO/AA/Minorities/Females/Disabled/Veterans