Ascentium Credit Analyst - Kingwood, United States - Regions

Description

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 Ascentium Capital, the Credit Analyst is responsible for evaluating commercial loan applications for new loan transactions as well as for processing annual loan reviews on existing borrowers.

Ascentium Capital, a division of Regions Bank, provides convenient access to financing for business equipment and technology and serves small organizations to Fortune 500 companies with programs that benefit manufacturers, distributors and direct to businesses nationwide. Our finance specialization covers several segments, including technology, healthcare, hospitality, franchise, commercial vehicles, and other markets. We strive to be the premier provider of customized finance programs that add value to our customers' businesses.

Primary Responsibilities

• Reviews and analyzes credit information in order to make appropriate credit decisions within established policies and regulations
• Initiates, completes, and submits accurate credit-related reports and documentation on a timely basis to accordance with established business processes and to assist the origination channels in achieving business goals and objectives
• Orders and reviews loan documentation and researches any issues as needed
• Gathers and maintains financial background information on present and prospective customers and develops credit studies for loan officers and committees as needed
• Develops, implements, and maintains uniform credit policies and procedures to ensure consistency and enhance external and internal customer satisfaction
• Works with the senior executives on all business opportunities and issues related to credit policies and credit decisions
• Coordinates communication between the sales team, potential customers, and the review committee on credit, underwriting, and funding related issues
• Works in conjunction with the appropriate managers and executives to support each business unit's performance goals and service standards
• Works with either close supervision or under clearly defined procedures

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 Business Administration, Finance, or related field
• One (1) year of experience in commercial/bank underwriting or related experience

Preferences

• Experience with Fair Isaac credit models
• Experience in formal bank underwriting training

Skills and Competencies

• Ability to manage multiple priorities
• 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 under pressure and meet deadlines
• Proficiency in Microsoft Office (Excel, Word, PowerPoint, Outlook, etc.)
• Strong attention to detail and proof-reading skills
• Strong skills in calculating financial ratios
• Strong understanding of personal and business credit reports
• Strong verbal, written communication, and organizational skills
• Strong work ethic and self-motivation

Regions will not sponsor applicants for work visas for this position. Applicants for this position must be currently authorized to work in the United States on a full-time basis.

Position Type

Compensation Details

Pay 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:

Median:

Incentive Pay Plans:

Benefits Information

Regions 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 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.

Location Details

Location:

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

Job applications at Regions are accepted electronically through our career site for a minimum of five business days from the date of posting. Job postings for higher-volume positions may remain active for longer than the minimum period due to business need and may be closed at any time thereafter at the discretion of the company.