Regions Bank Energy Credit Underwriter / Credit Portfolio Manager in Houston, Texas

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 for a set period of time. You may review, modify, or update your information by visiting and logging into the careers section of the system.

Job Description:

At Regions, the DPO Specialized Associate III supports Specialized Debt Products Manager(s) in assessing the potential risks of existing and proposed transactions. As a member of the first Line of Defense, the individual will analyze new commercial credit opportunities, underwrite new or renewed credit exposure and manage a portfolio of loans and other credit relationships typically in partnership with a Debt Products Manager. Based on a risk adjusted return perspective and the Bank’s stated risk appetite, this individual will strive to balance credit asset quality goals as well as revenue goals by serving as an independent credit risk expert providing effective challenge to both the Line of Business and Credit Risk. The successful candidate will gather information and perform in-depth research in order to identify, quantify and mitigate underwriting risk inherent in extending the bank’s capital. The candidate will be expected to develop strong working relationships with client management, internal teammates, credit officers, attorneys, auditors and other bankers. In some markets, this associate may be assigned a portfolio of credits for which they will have primary portfolio management, monitoring and oversight responsibilities.

Primary Responsibilities

  • Preparation of credit packages (Prepares credit approval packages on new and renewed debt products including determination of the appropriate risk rating as well as risk factors that could change the risk rating, analysis of financial performance, performance vs. projections, covenant compliance, relationship profitability (RAROC), and any other significant risk drivers.)

  • Analysis of guarantors as needed to support credit underwriting.

  • Assists the Debt Products Manager with review of loan documents pre-closing, or independently, if needed.

  • Reviews closing due diligence in collaboration of Debt Products Manager or, independently, if required

  • Maintenance of credit files including post-closing items (Actively manages financial reporting requirements, covenant requirements, past dues and documentation exceptions and ensures credit files are complete with all up to date information)

  • Tickler implementation and maintenance

  • Ongoing portfolio monitoring and servicing in conjunction with Shared Services support

  • Validates the appropriate risk rating for a company and proactively identifies risk rating changes

  • Identifies opportunities for exposure reduction or new opportunities within assigned portfolio

  • Maintains up to date understanding of primary loan market pricing and structuring trends

  • Participates in research, preparation and execution of customer and prospect calls

  • Participates in identifying financial solutions that meet the client’s needs and the Bank’s risk acceptance criteria

  • Develops a strong working knowledge of and insures compliance with internal bank commercial loan policy, credit risk management policy, and external regulatory requirements; documents any exceptions to policy and related rationale/mitigants

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

  • Bachelors degree

  • Completion of a major corporate credit training program (or the equivalent corporate banking/corporate finance experience)

  • 5 to 7 years underwriting and portfolio management experience

  • Ability to competently complete credit packages and credit services agreements

Skills and Competencies

  • Demonstrates very strong verbal and written communication skills

  • Well organized, detail-oriented, and is able to manage and/or lead multiple projects under pressure

  • Demonstrates very strong analytical and problem solving skills

  • Recognized for quality of analysis and competency in completion and oversight of client portfolio management activities

  • Displays ability to identify and voice issues; self-initiates discussion

  • Works collaboratively with multiple stakeholders

Location:

Houston, Texas

EEO/AA/Minorities/Females/Disabled/Veterans

About Regions

At Regions, our culture focuses on five core values that are a commitment to how we will do business:

  • Put people first

  • Do what is right

  • Focus on your customer

  • Reach higher

  • Enjoy life

Through these values, our mission to make life better drives our desire to improve and make a positive difference in the communities where we work and live through financial investments and volunteering.

EEO/AA/Minorities/Females/Disabled/Veterans