Credit Products Specialized Industries Product Specialist - Transportation and Logistics

Credit Products Specialized Industries Product Specialist

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Thank you for your interest in a career  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.

At Regions, the Credit Products Specialized Industries 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. The individual will work directly with teammates in Credit Products, Credit Risk, Client Coverage, Capital Markets, and other areas of the bank to lead the analysis of credit opportunities, underwriting of credit exposure and management of a portfolio of loans and other credit relationships while providing effective challenge to these various constituents.

This individual will provide subject-matter expertise and manage the overall delivery of credit products to assigned clients.

• Work in support of coverage banker to develop target set of companies within markets to enhance proper client selectivity.
• Add value directly to client and coverage in articulating Regions’ underwriting methods, processes and risk appetite for specific credit products.
• Maintain market knowledge of loan pricing and structural trends to match client needs with Regions’ credit product solutions.
• Call jointly on clients with coverage bankers to understand clients’ needs and specific risks to client business.
• Work with coverage banker to develop client strategy focusing on existing and potential credit exposure. Assist coverage banker in optimizing relationship through cross-sell activities of credit products.
• Lead the credit process on identified credit product opportunities. Ultimately accountable for structuring, underwriting, closing and management of new and existing credit products for clients.
• Serve as the primary contact with Credit Risk.
• Oversee ongoing monitoring of existing portfolio by being accountable for periodic assessments and other servicing requirements.
• Serve as a mentor/coach to team members, specifically Credit Products Associates assigned to managed clients.

• Bachelor’s degree in Finance, Accounting or related field.
• Five (5) or more years of underwriting and portfolio management experience.
• Completion of a major corporate credit training program (or the equivalent corporate banking/corporate finance experience).
• Experience in relationship management either as a coverage banker or as a client-facing member of the relationship team.
• Legal document and financial analysis experience.
• Understanding of loan structuring needs, loan documentation requirements and market knowledge.

• Excellent verbal and written communication skills.
• Strong problem-solving and time management skills.
• Ability to coach others.
• Well organized and detail-oriented.
• Ability to manage multiple projects under pressure.
• Proven leader with ability to make sound judgments.
• Ability to negotiate with both internal and external parties.

Full time.

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.

• Minimum
  : $ USD
• Median
  : $ USD

This role is eligible to participate in a…