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.

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Job Description:

At EnerBank, the Credit Analyst is responsible for facilitating credit underwriting and ongoing financial review for a high volume of independent and managed contractors who refer their customers to apply for unsecured home improvement loans.

EnerBank USA, a division of Regions Bank, engages in strategic partnerships with home-improvement manufacturers, distributors, franchisors, trade groups, and other organizations (with networks of home improvement contractors) to develop customized white-label loan programs to help them increase their sales as well as attract and retain top dealers.

Primary Responsibilities

• Conducts, documents, and tracks the financial portion of the annual contractor review process and the adhoc financial review process

• Assists management in preparing high volume independent contractor credit review packages for Credit Committee

• Evaluates and make deactivation or remediation recommendations for poor performing contractors and contractors with inadequate financial capacity; deactivates contractors in accordance with the terms of the contracts; and tracks and reports contractors involved in the deactivation or remediation processes

• Requests updated annual review documentation from contractors prior to performing scheduled reviews

• Conducts adhoc financial reviews of existing contractors to determine ongoing eligibility of product access and program participation

• Underwrites contractors using both objective and subjective credit criteria to determine eligibility to participate in loan programs

This position is exempt from timekeeping requirements under the Fair Labor Standards Act and is not eligible for overtime pay.

Requirements

• Bachelor’s degree in finance, accounting, or related field

• Two (2) years of commercial credit underwriting or related experience

Skills and Competencies

• Ability to analyze and interpret financial data and business financial statements

• Ability to work independently and on a team

• Ability to work under pressure and meet deadlines

• Excellent problem-solving capabilities

• Good analytical, observational, and decision-making skills

• Strong attention to detail

• Strong Microsoft Office Suite skills

• Strong verbal, written communication, and organizational skills

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:

$49,036.00 USD

Median:

$76,500.00 USD

Incentive Pay Plans:

This job is not incentive eligible.

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

Salt Lake City UT LOB

Location:

Salt Lake City, Utah

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.