Credit Risk Review Examiner III

About the role

The Credit Risk Review Examiner position at Regions continuously monitors and examines activities to assess and report the status and direction of credit risk within assigned portfolios. This role identifies risk direction drivers, evaluates origination quality, portfolio quality, and elements of credit risk management.

Responsibilities

• Maintains a thorough knowledge of sound lending practices, lending regulations, and the bank's loan policy and underwriting guidelines
• Reviews credit exposures to ensure compliance with Regions' credit policies and safe and sound banking practices
• Participates and/or leads credit risk review examinations, including horizontal reviews across lines of business and geographies
• Develops and maintains positive working relationships with line of business management, credit risk management, audit staff, and other departments
• Analyzes trends in key quality and performance metrics, reviews transactions, and assesses processes associated with the origination and servicing of assigned loan portfolios
• Identifies and monitors evolution of key risk direction drivers for assigned portfolios
• Performs ad hoc analysis of credit risk issues, often requiring aggregation of transaction data using spreadsheet or database software
• Maintains specialized knowledge as required for assigned lines of business, such as expertise in validating credit scoring models, understanding portfolio valuation techniques, etc.
• Proposes appropriate ratings and risk direction assessments and participates in developing findings and conclusions, presenting results to senior managers, and completing written reports within departmental guidelines
• Maintains information or work papers to support review process and findings
• Maintains a thorough knowledge of credit risk review procedures, sound lending practices, credit policies, and regulatory requirements
• May serve as lead examiner for assigned line(s) of business for continuous monitoring of credit risk conducted between examinations
• Collaborates with senior management in the development of team goals and objectives, ensuring consistent achievement
• Offers advice and guidance to junior examiners, assisting in the development of necessary skills and promoting continuous improvement initiatives

Requirements

• Bachelor’s degree in related field
• Seven (7) years of credit-related experience, or five (5) years of third line of defense credit risk assurance, regulatory, or credit approval/management experience

Skills and Competencies

• 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 autonomously, with limited guidance
• Ability to work under pressure and meet deadlines
• Proficiency in Microsoft Office (Excel, Word, PowerPoint, Outlook, etc.)
• Strong verbal, written communication, and organizational skills
• Strong work ethic and self-motivation

Pay and Benefits

This position is exempt from timekeeping requirements under the Fair Labor Standards Act and is not eligible for overtime pay. It is incentive eligible. Pay ranges are job specific and are provided as a point-of-market reference for compensation decisions. Other factors impacting pay include: experience, skills, knowledge, contribution, job location, and performance in the job role. Benefits include 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, and more. For more information, visit this link.