Credit Officer II - Area Credit Officer

Job Title: Credit Officer II

At Regions, the Credit Officer II is accountable for the credit quality, profitability, and growth of the total business loan portfolio in the assigned Credit Officer's applicable business reporting unit or segment. The Credit Officer II ensures and is responsible for execution of sound risk management practices as part of the 2nd Line of Defense, including communication of applicable information to maintain an environment of risk ownership and awareness. The position typically reports to a Corporate Bank Credit Division Manager or Senior Credit Officer.

Primary Responsibilities

• Responsible for the overall creditworthiness of loan transactions within the assigned business reporting unit or segment.
• Manage applicable credit exposure to ensure adherence to Region's Risk Appetite Statement and to all asset quality, diversification, and exposure parameters.
• Communicate and demonstrate sound risk management practices in order to maintain an environment of risk ownership and awareness.
• Exhibit accountability for the quality and profitability associated with the assigned business unit or segment.
• Partner and consult with subject matter experts for leveraged lending, sponsor-backed and specialized industries loan transactions, as applicable.
• Serve on ad hoc projects as a contributing member

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
• Eight (8) years of related experience

Preferences

• Completion of a formal credit training program is preferred.

Skills and Competencies

• Broad knowledge of all credit disciplines and business strategy
• Excellent verbal and written communication skills
• Excellent organizational and time management skills
• Excellent analytical and quantitative skills
• Skilled in applicable computer software

Position Type: Full time

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.

Job Range Target:

Minimum: $128,938.37 USD

Median: $183,046.00 USD

Incentive Pay Plans:

This role is eligible to participate in the annual discretionary incentive plan. Employees are eligible to receive a discretionary award based on individual, business, and/or company performance. Opportunity to participate in the Long Term Incentive Plan.

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

Location Details

RSA Battle House Tower

Location: Mobile, Alabama

Equal Opportunity Employer/including Disabled/Veterans