DPO Commercial Credit Services Credit Analyst

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Job Description:
At Regions, the DPO Commercial Credit Services Credit Analyst I provides Portfolio Management and Underwriting support for the Debt Products Organization. Underwriting support includes financial statement spreading, Global Cash Flow analysis, and Credit Approval Package preparation. The DPO Commercial Credit Services Credit Analyst I may also execute various credit servicing activities, including covenant testing, risk rating assessments, and formal documentation of Ongoing Monitoring and Periodic Assessment actions.
Primary Responsibilities
Spreads borrower interim and year-end financial statements in Moody's Risk Analyst (MRA) (and potentially in other software programs as well, if applicable)
Prepares Global Cash Flow analysis
Tests interim and year-end covenant compliance calculations
Tests interim and year-end benchmarks (if applicable)
Spreads and analyzes guarantor financial information
Prepares risk rating models on borrowers and guarantors
Prepares Ongoing Monitoring packages and Periodic Assessment packages
Prepares certain sections and appendices of Credit Approval Packages
Assesses borrower request to determine appropriate underwriting channel
Prepares tenant analysis in CRE transactions (when tenant is not borrower).
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 accounting, finance or related field (four (4) years of commercial loan underwriting, analysis or portfolio management experience may be substituted for a bachelor's degree)
Skills and Competencies
Strong verbal and written communication skills
Well organized, detail-oriented, and ability to multi-task
Strong analytical and problem solving skills
Ability to identify and voice issues
Ability to work collaboratively with multiple stakeholders
This position may be filled at a level I, II, III, or IV depending on experience and compensated accordingly.
Location:Hoover, Alabama

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