Credit Products Leveraged Finance Associate

Credit Products Leveraged Finance AssociateAt Regions, the Credit Products Leveraged Finance Associate supports Leveraged Finance Credit Products Manager(s) in identifying and mitigating risks in existing and proposed credit products. As a member of the First Line of Defense, the individual will analyze new commercial credit opportunities, underwrite new or renewed credit exposure and manage a portfolio of loans and other credit relationships in conjunction with a Credit Products Manager.Primary ResponsibilitiesPrepares credit approval packages on new and renewed credit products including determination of the appropriate risk rating as well as risk factors that could change the risk rating, analysis of financial performance, performance vs. projections, covenant compliance, relationship profitability (RAROC), and any other significant risk driversAnalyzes guarantors as needed to support credit underwritingAssists the Credit Products Manager with review of loan documents pre-closingReviews closing due diligence in collaboration with and oversight by Credit Products ManagerMaintains credit files including post- closing items (actively manages financial reporting requirements, covenant requirements, past dues and documentation exceptions and ensures credit files are complete with all up to date information)Implements and maintains ticklersMonitors and services portfolio in conjunction with Shared Services supportValidates the appropriate risk rating for a company and proactively identifies risk rating changesIdentifies opportunities for exposure reduction or new opportunities within assigned portfolioDevelops a strong working knowledge of and insures compliance with internal bank commercial loan policy, credit risk management policy, and external regulatory requirements documents any exceptions to policy and provides related rationale/mitigantsThis position is exempt from timekeeping requirements under the Fair Labor Standards Act and is not eligible for overtime pay.This position is incentive eligible.RequirementsBachelor's degree in related fieldTwo (2) years of underwriting experience or financial services analysis and accounting experienceAbility to competently complete credit packages and credit services agreements with management oversightRequired Certifications/LicencesCompletion of a major corporate credit training program (or the equivalent corporate banking/corporate finance experience)Skills and CompetenciesAbility to identify and voice issuesDemonstrates analytical and problem solving skillsStrong verbal and written communication skillsWell organized, detail-oriented, and is able to multi-taskWorks collaboratively with multiple stakeholdersThis position may be filled at a higher level depending on the candidate's qualifications and relevant experience.At Regions, the Commercial Leveraged Credit Products Associate partners with CLCP Senior Portfolio Managers ("Product Specialists") to lead the underwriting, structuring, execution, and portfolio management of leveraged transactions.

The Associate plays a key role on deal teams evaluating acquisition financings, strategic refinancings, and other complex credit opportunities.Additional ResponsibilitiesPartner with Product Specialists to lead credit screening, underwriting, structuring, negotiation, closing, and documentation of leveraged transactionsTake primary responsibility for building and maintaining complex financial models for both sponsor-backed and corporate clientsConduct in-depth due diligence and drive credit analysis to assess risk, structure, and pricingServe as a key point of contact with coverage teams, credit risk, legal, and other stakeholders throughout the deal lifecycleSupport portfolio management efforts post-close, including monitoring performance, covenant compliance, and risk trendsEnsure consistent application of underwriting standards, due diligence practices, and documentation reviewLead review of loan documentation and closing diligence in coordination with legal counsel and internal partnersMaintain and apply market knowledge of leveraged finance trends, including pricing, structural features, and capital solutionsMentor and provide guidance to Analysts on deal execution and credit analysisAdditional Skills and CompetenciesAdvanced analytical and financial modeling capabilitiesStrong credit judgment and ability to independently assess complex transactionsExcellent interpersonal, verbal, and written communication skillsAbility to identify key risks and proactively recommend solutionsHighly organized with the ability to manage multiple transactions under tight deadlinesProven ability to collaborate effectively with cross-functional stakeholdersDemonstrated leadership and mentorship skillsPosition TypeFull timeCompensation DetailsPay 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.Job Range Target:Minimum:$95,681.36 USDMedian:$116,308.50 USDIncentive Pay Plans:This role is eligible to participate in a discretionary incentive plan.

Employees have the potential to receive a discretionary award based on performance against defined metrics and goals.Benefits InformationRegions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for benefits-eligible associates. Listed below is a synopsis of the benefits offered by Regions for informational purposes, which is not intended to be a complete summary of plan terms and conditions.Paid Vacation/Sick Time401K with Company MatchMedical, Dental and Vision BenefitsDisability BenefitsHealth Savings AccountFlexible Spending AccountLife InsuranceParental LeaveEmployee Assistance ProgramAssociate Volunteer ProgramPlease note, benefits and plans may be changed, amended, or terminated with respect to all or any class of associate at any time. To learn more about Regions' benefits, please visit their website.Location DetailsCharlotte UptownLocation: Charlotte, North CarolinaEqual Opportunity Employer/including Disabled/Veterans