Credit Products Leveraged Finance Product Specialist at Regions Bank in Charlotte, NC - Charlotte Uptown Branch

Job description

• 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.
• At Regions, the Credit Products Leveraged Finance Product Specialist is a client-facing role, that partners directly with coverage on the extension of credit products transactions to meet clients’ needs. This role serves as part of the first line of defense, with the coverage team, and identifies and mitigates 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.

Responsibilities

• Works in support of coverage banker to develop a target set of companies within markets to enhance proper client selectivity
• Adds value directly to client and coverage in 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
• Calls clients jointly with coverage bankers to understand clients’ needs and specific risks to client business
• Works with coverage bankers to develop client strategy 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 (ultimately accountable for structuring, underwriting, closing and management of new and existing credit products for clients)
• Serves as the primary contact with Credit Risk
• Oversees ongoing monitoring of existing portfolios by being accountable for periodic assessments and other servicing requirements
• Serves as a mentor/coach to team members, specifically Credit Products Associates assigned to managed clients
• 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 a related field
• Seven (7) years of underwriting and portfolio management experience
• Experience in relationship management either as a coverage banker or as a client facing member of the relationship team
• Legal document experience
• Understanding of loan structuring needs, loan documentation requirements and market knowledge
• Financial analysis experience
• Required Certifications/Licensures
• Completion of a major corporate credit training program (or the equivalent corporate banking/corporate finance experience)
• Ability to coach others
• Ability to negotiate with both internal and external parties
• Analytical and problem solving skills
• Demonstrated strong verbal and written communication skills
• Proven leader with the ability to make sound judgments
• Well organized, strong attention to detail, and ability to manage multiple projects under pressure

Skills

Required

• Ability to coach others
• Analytical and problem solving skills

Benefits

• Regions 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
• 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.
• 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.