Job Description:At Regions, the Credit Products Specialized Industries Product Specialist partners with coverage in client-facing engagements to deliver credit product solutions tailored to client needs. This role serves as part of the first line of defense, with the coverage team, in identifying and mitigating risk in existing and proposed credit products transactions. The role works directly with teammates in Credit Products, Credit Risk, Client Coverage, Capital Markets, and other areas of the bank to lead the analysis of credit opportunities, underwriting of credit exposure and management of a portfolio of loans and other credit relationships while providing effective challenge to these various constituents. This role provides subject matter expertise and manages the overall delivery of credit products to assigned clients.
Primary Responsibilities- Works in support of coverage bankers to develop target sets of companies within markets to enhance proper client selectivity
- Adds value directly to the largest and most complex client relationships by articulating Regions' underwriting methods, processes and risk appetite for specific credit products
- Maintains market knowledge of loan pricing and structural trends to match client needs with Regions' credit product solutions
- Partners with coverage bankers on joint client calls to assess complex client needs and identify key business risks
- Works with coverage bankers to develop client strategies focusing on existing and potential credit exposure
- Assists coverage bankers in optimizing relationships through cross sell activities of credit products
- Leads the credit process on identified credit product opportunities
- Maintains accountability for structuring, underwriting, closing and management of new and existing credit products for clients
- Serves as the primary contact with Credit Risk
- Oversees ongoing portfolio monitoring, with accountability for periodic reviews and servicing requirements
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 a related field
- Seven (7) years of underwriting and portfolio management experience
- Completion of a major corporate credit training program (or the equivalent corporate banking/corporate finance experience)
- Experience in relationship management either as a coverage banker or as a client facing member of the relationship team
- Legal document and financial analysis experience
- Understanding of loan structuring needs, loan documentation requirements and market knowledge
Skills and Competencies- Ability to coach others
- Ability to manage multiple projects under pressure
- Ability to negotiate with both internal and external parties
- Excellent verbal and written communication skills
- Proven leader with ability to make sound judgments
- Strong problem-solving and time management skills
- Well organized and detail-oriented
As a member of the Healthcare Real Estate Credit Products team, you will engage in dynamic collaboration with peers, product partners, and others within Coverage and Credit Risk. Your responsibilities will include the underwriting, documentation, and oversight of a designated client portfolio comprised of Acute Care Real Estate, senior housing and skilled nursing owner/operators, financial sponsors, and not-for-profit hospitals and health systems. The position is customer facing, provides for direct transactional experience, and allows for multiple professional growth opportunities. By joining our team, you become a pivotal part of our mission to empower our clients to grow and succeed.
Position TypeFull time
Compensation DetailsPay 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:$189,103.75 USD
Median:$231,140.00 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.Opportunity to participate in the Long Term Incentive Plan.
Benefits InformationRegions 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/about-regions/welcome-portal/benefits
Location DetailsRegions Center
Location:Birmingham, Alabama
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.
