Credit Risk Management Consumer Credit Manager

About the Role

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. This role is exempt from timekeeping requirements under the Fair Labor Standards Act and is not eligible for overtime pay. This position is incentive eligible.

Responsibilities

• Recommends cohesive strategies that balance consumer loan growth while managing risk
• Recommends and implements comprehensive consumer credit policies
• Provides governance oversight over Regions' compliance with consumer credit policies
• Provides business insight and recommendations relating to credit model enhancements and their use in underwriting
• Utilizes alternative data sources to segment loan applicant data to enhance the depth of Regions' customer relationships and improve organic growth
• Develops account management and collection prioritization strategies
• Independently reports key risks and emerging risks
• Interacts with senior management and acts as a liaison to business units on credit review management
• Develops, attracts, and retains talent required to carry out roles and responsibilities
• Mentors credit analysts

Requirements

• Bachelor's degree
• Five (5) years of experience in consumer credit risk management

Skills and Competencies

• Ability to evaluate, synthesize, organize, and interpret data and information
• Ability to provide direction in underwriting requirements and origination automation strategies
• Knowledge of quantitative analysis and static pool analysis
• Strong technical skills, basic programming, and statistical concepts
• Strong verbal, written communication, and organizational skills
• Understanding of Consumer Credit products, industry changes, regulatory requirements, and banking laws

Pay

The target pay range for this position is based on the Metropolitan Statistical Area Market Range for the location and level of the position.

• Minimum: $134,705.45 USD
• Median: $188,840.00 USD

This role is eligible to participate in the annual discretionary incentive plan, with awards based on individual, business, and/or company performance. Employees may also participate in the Long-Term Incentive Plan.

Benefits

Regions offers a flexible, comprehensive benefits package for eligible associates. Below is a synopsis of the benefits offered:

• Paid Vacation/Sick Time
• 401K with Company Match
• Medical, Dental, and Vision Benefits
• Disability Benefits
• Health Savings Account
• Flexible Spending Account
• Life Insurance
• Parental Leave
• Employee Assistance Program
• Associate Volunteer Program

Schedule

Full time

Location: Hoover, Alabama