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 Regions Business Capital Underwriter is a client-facing role, responsible for conducting and evaluating new corporate and commercial loans. The individual will work directly with Origination, Credit Risk, Client Coverage, Capital Markets, and other areas of the bank to lead the analysis of credit opportunities, and underwriting of credit exposure while seamlessly delivering value to Regions’ prospects and customers, balancing the risk tolerance of Regions Business Capital with new business objectives and client retention. **Primary Responsibilities** + Leads the credit process to ensure that transactions are reviewed thoroughly, in a timely manner and that internal policies and procedures are adhered to + Independently conducts an assessment for borrower risk profile, financial performance, collateral strength, industry position and overall credit worthiness + Balances the risk tolerance of business objectives and client acquisition + Works closely with Origination to structure proposed transaction + Screens new opportunities and underwrites asset-based loans, ensuring behaviors drive a positive customer experience + Independently identifies risks and mitigants relevant to transactions and in relation to the size and complexity of the transaction + Leads and owns the underwriting process to ensure expeditious execution of new business transactions in-line with client’s expectations and business risk tolerance and guidelines + Acts as the central “hub” with origination and credit risk + Supports strong working relationships with key internal partners + Prepares comprehensive and objective memos and models analyzing historical and projected financial performance, collateral quality, borrowing base structure, industry characteristics, capital structure, and other credit attributes + Presents findings and recommendations to Senior Management and Credit Committee + Engages in loan documentation and closing activities with borrower, counsel and relationship management + Includes direct or indirect supervision and direction of the day-to-day activities of junior professionals 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 Finance, Accounting or related field + Nine (9) years underwriting and/or portfolio management experience **Skills and Competencies** + Ability to manage execution of multiple complex transactions simultaneously + Ability to openly exchange ideas and opinions, elevate concerns, and follow policies and procedures as defined + Ability to quickly develop working relationships with prospective borrowers and key referral sources (private equity firms, investment banks, bank groups, etc.) and to communicate at all levels + Deep understanding of loan structuring, financial analysis, collateral analysis, legal documentation and industry considerations affecting transactions, including experience specific to ABL lending + Exercises independent judgment and applies prudent risk mitigation principles + Extensive track record of underwriting, risk management, and/or relationship management, and closing loans **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. 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:_** $158,240.00 USD **_Median:_** $185,210.00 USD **Incentive Pay Plans:** This role is eligible to participate in a discretionary incentive plan. Employees have the potential to receive a discretionary award based on performance against defined metrics and goals.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. (https://www.regions.com/about-regions/benefits/benefits-eligibility) 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** Atlanta Midtown **Location:** Atlanta, Georgia Bring Your Whole Self to Work We have a passion for creating an inclusive environment that promotes and values the differences that make each of us stand out as unique individuals and help 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 and thrive 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.