Credit Products Real Estate Product Specialist

Role Overview

• Leads the credit process on credit opportunities including structuring, underwriting, loan documentation/negotiation, and closing
• Maintains market knowledge of loan pricing, structural trends, and emerging risks within the various real estate sectors to better understand each client's needs and ensure those needs align with Regions' risk profile
• Attends calls with coverage bankers to understand clients’ needs and the business strategy around the real estate portfolio, assets with financing opportunities, and cross-sell opportunities of treasury or capital markets products
• Collaborates with coverage bankers to develop strategies and deliver credit solutions to best meet client needs and goals
• Serves as the primary contact with the Credit Risk team and presents loan requests for approval and/or modifications
• Coordinates with the deal team during the closing process, partnering with a coverage banker, fulfillment, Centralized Loan Administration (CLA) (if construction loan), internal, or external legal groups, clients, and others as necessary
• Supports the coverage banker around client selectivity that meets Regions’ risk profile
• Identifies opportunities for exposure reduction, process improvement, or new opportunities within assigned portfolio in collaboration with the coverage banker
• Works with Analysts and Associates to address any issues discovered during loan servicing and monitoring activities, and takes the lead if significant modification or restructure is required
• Assists in training Analysts and Associates supporting the portfolio, and takes responsibility for the overall quality of the teams’ work product
• Coaches, mentors, and helps direct work for Credit Products Analysts and Associates
• May, if designated by the deal team, oversee all Credit Servicing activities of the portfolio to ensure servicing requirements are satisfied on a quarterly basis, including proactive identification and elevation of emerging risks and early warning indicators, at both the transaction or portfolio level, to the Team Lead, Market Manager, and Credit Risk partner

Requirements

• Bachelor’s degree
• Seven (7) years of experience in real estate underwriting, financial analysis, and portfolio management
• Completion of a corporate credit training program (or equivalent corporate banking/finance or real estate experience)
• Strong understanding of loan structuring needs, loan documentation requirements, and market knowledge
• Financial analysis experience
• Relationship management experience, either as a coverage banker or as a client facing member of a relationship team
• Legal documentation experience

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