Regions Bank · 3 weeks ago
Real Estate Capital Markets Senior Credit Officer
Charlotte, NC
Full-time
Onsite
Senior Level, Lead/Staff
$182K/yr - $250K/yr
12+ years expRegions Bank is dedicated to offering performance-driven individuals a place to build a career. The Senior Credit Officer II is responsible for the credit quality and profitability of the business loan portfolio, ensuring sound risk management practices and leading a team of Credit Officers.
BankingInsurance
Responsibilities
Responsible for the overall creditworthiness of loan transactions within the assigned business reporting unit or segment
Manages applicable credit exposure to ensure adherence to Region’s Risk Appetite Statement and to all asset quality, diversification, and exposure parameters
Communicates and demonstrates sound risk management practices in order to maintain an environment of risk ownership and accountability
Exhibits accountability for the quality and profitability (return relative to risk) associated with transactions and credit portfolios within the assigned business unit or segment
Partners and consults with subject matter experts for leveraged lending, sponsor-backed and specialized industries loan transactions
Coordinates with multiple constituencies to improve efficiency, effectiveness, productivity and/or controls throughout the Credit/Underwriting process
Leads a team of Credit Officers overseeing credit quality, profitability and growth for geographic territories or defined segments within a business unit
Provides leadership and accountability for teams relative to day-to-day responsibilities, building the best team and continuous improvement
Serves as Policy Editor for select policies under the purview of the respective Policy Executive and Policy Owner
Provides input on revisions/amendments to existing credit reference guidance on standards, documentation requirements, and underwriting practices
Serves as an additional trainer/mentor for Credit Products and Coverage teams for consistent application of sound underwriting practices
Serves on ad hoc projects as a contributing member or project leader
Review and approve agency loan requests across conventional, affordable and small dollar transactions – demonstrated experience with Fannie Mae / Freddie Mac multifamily conventional, affordable and/or small dollar loan programs is essential
Provide effective challenge during the underwriting and structuring process to ensure compliance with risk appetite, established policy and underwriting standards
Monitor performance of the Real Estate Capital Markets portfolio by review and approval of portfolio and asset watchlist reports, action plans and risk ratings
Partner with associates across Real Estate Capital Markets to identify, monitor, mitigate and report existing and emerging portfolio and industry risks while supporting growth and business strategy
Develop and maintain a deep understanding of Fannie Mae and Freddie Mac multifamily investment parameters and loan requirements in order to effectively assess distribution risks when approving transactions, monitoring portfolio performance and revising loan policies and underwriting standards
Participate in periodic credit reviews, internal audits and exams of Real Estate Capital Markets
Participate in working groups and governance committee discussions regarding reserves for Real Estate Capital Markets credit portfolios and valuations of warehoused investment positions
Coach, mentor and train credit risk team members and origination partners in topics related to commercial real estate, agency lending and credit risk
Qualification
Required
Bachelor's degree in related field
Twelve (12) years of related experience
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
Demonstrated leadership competency
Review and approve agency loan requests across conventional, affordable and small dollar transactions – demonstrated experience with Fannie Mae / Freddie Mac multifamily conventional, affordable and/or small dollar loan programs is essential
Provide effective challenge during the underwriting and structuring process to ensure compliance with risk appetite, established policy and underwriting standards
Monitor performance of the Real Estate Capital Markets portfolio by review and approval of portfolio and asset watchlist reports, action plans and risk ratings
Partner with associates across Real Estate Capital Markets to identify, monitor, mitigate and report existing and emerging portfolio and industry risks while supporting growth and business strategy
Develop and maintain a deep understanding of Fannie Mae and Freddie Mac multifamily investment parameters and loan requirements in order to effectively assess distribution risks when approving transactions, monitoring portfolio performance and revising loan policies and underwriting standards
Participate in periodic credit reviews, internal audits and exams of Real Estate Capital Markets
Participate in working groups and governance committee discussions regarding reserves for Real Estate Capital Markets credit portfolios and valuations of warehoused investment positions
Coach, mentor and train credit risk team members and origination partners in topics related to commercial real estate, agency lending and credit risk
Preferred
Completion of a formal credit training program
Benefits
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
Company
Regions Bank
Regions Financial Corporation is a member of the S&P 500 Index and is one of the nation’s largest full-service providers of consumer and commercial banking, wealth management, and mortgage products and services.
10001+ employees
H1B Sponsorship
Regions Bank has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (37)
2024 (40)
2023 (41)
2022 (42)
2021 (32)
2020 (30)
Funding
Current Stage
Late StageTotal Funding
unknown2018-04-06Acquired
Leadership Team
Brian Happel
Executive Vice President and Fort Worth Market CEO
Daniel Hobbs
Executive Vice President, Head of Corporate Finance and Business Lines CFO
Recent News
2024-04-30
Business Journals
2024-04-28
Company data provided by crunchbase