Government & Institutional Banking Credit Analyst

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At Regions, the Commercial Credit Services Credit Analyst provides Portfolio Management and Underwriting support for the Credit Products group, including financial statement spreading, cash flow analysis, and credit approval package preparation. This role may also execute various credit servicing activities, including covenant testing, risk rating assessments, and formal documentation of ongoing monitoring and periodic assessment actions.

Spreads borrower interim and year-end financial statements in Moody's CreditLens (MCL) (and potentially in other software programs as well, if applicable) Prepares 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 (if applicable) 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 borrowers' requests to determine the appropriate underwriting channel 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 Accounting, Finance, or a related field Or High School Diploma and four (4) years of commercial banking, loan underwriting, analysis, or portfolio management experience Skills and Competencies Ability to identify and voice issues Ability to multi-task and manage multiple projects and deadlines Strong analytical and problem-solving skills Strong attention to detail and organizational skills Strong verbal and written communication skills This position may be filled at a higher level depending on the candidate's qualifications and relevant experience.

Type Full time 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: $51,612.00 USD Median: $66,750.00 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.

Information Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all"