Ascentium Credit Analyst

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At Ascentium Capital, the Credit Analyst evaluates commercial loan applications for new loan transactions as well as for processing annual loan reviews on existing borrowers. Ascentium Capital, a division of Regions Bank, provides convenient access to financing for business equipment and technology and serves small organizations to Fortune 500 companies with programs that benefit manufacturers, distributors and direct to businesses nationwide. Our finance specialization covers several segments, including technology, healthcare, hospitality, franchise, commercial vehicles, and other markets. We strive to be the premier provider of customized finance programs that add value to our customers' businesses.

Reviews and analyzes complex credit information in order to make appropriate credit decisions within established policies and regulations Initiates, completes, and submits accurate credit-related reports and documentation on a timely basis in accordance with established business processes and assists the origination channels in achieving business goals and objectives Participates in the development, implementation, and maintenance of uniform credit policies and procedures to ensure consistency and enhance external and internal customer satisfaction Orders and reviews loan documentation and researches any issues as needed Gathers and maintains financial background information on present and prospective customers and develops credit studies for loan officers and committees as needed Develops, implements, and maintains uniform credit policies and procedures to ensure consistency and enhance external and internal customer satisfaction Works closely with the senior executives on all business opportunities and issues related to credit policies and credit decisions Coordinates communication between the sales team, potential customers, and the review committee on credit, underwriting, and funding related issues Works in conjunction with the appropriate managers and executives to support each business units' performance goals and service standards Provides recommendations and feedback regarding continuous improvement opportunities Works under limited supervision following established guidelines and procedures Provides advice and guidance to junior specialists as needed 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.

Bachelor’s degree in Business Administration, Finance, or a related field Seven (7) years of experience in commercial/bank underwriting or related experience Preferences Experience with Fair Isaac credit models Completion of a formal bank underwriting training Skills and Competencies Ability to learn additional systems as needed Ability to manage multiple priorities Ability