Ascentium Credit Manager

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At Ascentium Capital, the Credit Manager leads a team of analysts responsible for evaluating 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.

• Lead the examination of credit risk and ensures proper risk management practices are in place and utilized effectively through ongoing monitoring activities including identifying risk rating accuracy and policy compliance
• Serve as lead examiner on occasion for specific reviews/examinations which may include activities such as proper sample selection, review team composition/ logistics, data compilation and analysis, written report generation, and collaboration with unit management
• Provide continual feedback regarding existing or emerging risks or issues
• Actively identify and mitigate risk in existing and proposed credit products transactions
• Maintain market knowledge of loan pricing and structural trends to match client needs with company credit product solutions
• Coach associates around client selectivity, loan and lease structuring, underwriting, servicing and risk rating
• Oversee the hiring, training, development, and coaching of associates
• Work in conjunction with the appropriate managers and executives to support each business unit's performance goals and service standards
• Act as a subject matter expertise and assist in managing the overall delivery of credit decisions within established policies and regulations
• May maintain limited client portfolio management, including portfolio reporting

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 related field
• Seven (7) years of experience in commercial/bank underwriting or related experience
• Management/supervisory experience

• Experience with Fair Isaac credit models
• Experience in formal bank underwriting training

• Ability to manage multiple priorities
• Ability to learn additional systems as needed
• Ability to research, analyze data, and derive facts
• Ability to work in a team environment when applicable
• Ability to work under pressure and meet deadlines
• Proficiency in Microsoft Office (Excel, Word, PowerPoint, Outlook, etc.)
• Strong attention to detail and proof‑reading skills
• Strong skills in calculating financial ratios
• Strong understanding of personal and business credit reports
• Strong verbal, written communication, and…