Credit Risk Review Examiner

Thank you for your interest in a career at Regions. 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. 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. Regions is dedicated to taking appropriate steps to safeguard and protect private and personally identifiable information you submit. The information that you submit will be collected and reviewed by associates, consultants, and vendors of Regions in order to evaluate your qualifications and experience for job opportunities and will not be used for marketing purposes, sold, or shared outside of Regions unless required by law. Such information will be stored in accordance with regulatory requirements and in conjunction with Regions’ Retention Schedule for a minimum of three years. You may review, modify, or update your information by visiting and logging into the careers section of the system. Job Description: At Regions, the Credit Risk Review Examiner continuously monitors and examines activities. This position assesses and reports the status and direction of credit risk within the assigned consumer or small business portfolios. Additionally, this position identifies risk direction drivers, evaluates origination quality, portfolio quality, and elements of credit risk management by review of various credit metrics, transaction testing, and periodic interaction with first and second-line of defense business managers, staff, and other risk assessment functions. This individual will identify issues that require management attention and will communicate and summarize review findings in applicable report format for risk rating accuracy, policy compliance, and prudent credit risk management practices. Primary Responsibilities Maintains a thorough knowledge of sound lending practices, lending regulations, and the bank’s loan policy and underwriting guidelines Reviews credit exposures to provide assurance of compliance with Regions' credit policies as well as safe and sound banking practices Participates and/or takes a leadership role in credit risk review examinations, which may include horizontal reviews that cross 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 Independently performs ad hoc analysis of credit risk issues, frequently requiring aggregation of transaction data through use of spreadsheet or database software Maintains specialized knowledge as required for assigned lines of business, which may include expertise required to assess periodic validation of 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 in 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 the promotion of continuous improvement initiatives 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. 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 Experience writing risk management review reports 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 This position may be filled at a higher level depending on the candidate's qualifications and relevant experience. This position will work a hybrid schedule with a combination of in-office and remote work. Position Type Full time Benefits Information Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for 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 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 Please 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 click or copy the link below to your browser. https://www.regions.com/welcometour/benefits.rf Location Details Regions Center Location: Birmingham, Alabama Bring Your Whole Self to Work We have a passion for creating an inclusive environment that promotes and values diversity of race, color, national origin, religion, age, sexual orientation, gender identity, disability, veteran status, genetic information, sex, pregnancy, and many other primary and secondary dimensions that make each of us unique as individuals and provide valuable perspective that makes us a better company and employer. More importantly, we recognize that creating a workplace where everyone, regardless of background, can do their best work is the right thing to do. OFCCP Disclosure: Equal Opportunity Employer/Disabled/Veterans About Regions At Regions, our culture focuses on five core values that are a commitment to how we will do business: Put people first Do what is right Focus on your customer Reach higher Enjoy life Through these values, our mission to make life better drives our desire to improve and make a positive difference in the communities where we work and live through financial investments and volunteering.