Credit Products Real Estate Product Specialist - Property Finance

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At Regions, the Credit Products Real Estate Product Specialist is a client-facing role, partnering directly with coverage on the extension of credit products transactions to meet clients’ needs. This individual 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.

Primary Responsibilities

• Maintains market knowledge of loan pricing, structural trends and understands how they align or differ from Regions’ risk profile
• Jointly calls with coverage bankers to understand clients’ needs and business strategy around the real estate portfolio, assets with financing opportunities as well as cross-sell of treasury or capital markets products
• Collaborates with coverage bankers to develop strategies to deliver credit solutions that can best meet client needs and identifies actionable ideas that can help achieve their goals
• Leads the credit process on credit opportunities including structuring, underwriting, loan documentation/negotiation and closing
• Serves as primary contact with Credit Risk and presents loan request for approval and/or modifications
• Serves as the point person of the deal team during the closing process, partnering with a coverage banker, fulfillment, CLA (if construction loan), internal or external legal, client and others as necessary
• Oversees all Credit Servicing activities of the portfolio to ensure servicing requirements are satisfied on a quarterly basis. Such oversight includes proactive identification and elevation of emerging risks and early warning indicators, at both the transaction or portfolio level, to the Team Lead, Market Manager, and Credit Risk partner
• Supports the coverage banker around client selectivity that meets Regions’ risk profile
• Identifies opportunities for exposure reduction, process improvement, or new opportunities within assigned portfolio in collaboration with the coverage banker
• Works with Analysts and Associates to address any issues that become apparent during loan servicing and monitoring activities and takes lead if significant modification or restructure is required
• Assists in training Analysts and Associates that support the portfolio and takes responsibility for the overall quality of the teams’ work product
• Coaches, mentors, and helps direct work for Credit Products Analysts and Associates

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, preferably in Business Administration, Real Estate, Accounting, or Finance
• Ten (10) years of real estate underwriting, financial analysis, and portfolio management experience
• Completion of a corporate credit training program (or equivalent corporate banking/finance or real estate experience)
• Strong understanding of loan structuring needs, loan documentation requirements and market knowledge
• Previous financial analysis experience
• Relationship management experience either as a coverage banker or as a client…