Ascentium Credit Analyst

Job Description At Ascentium Capital, the Credit Analyst evaluates commercial loan applications for new loan transactions and processes annual loan reviews on existing borrowers. Ascentium Capital, a division of Regions Bank, provides convenient access to financing for business equipment and technology and serves small organizations to Fortune 500 companies with programs that benefit manufacturers, distributors and direct-to-businesses nationwide. Primary Responsibilities Reviews and analyzes credit information to make appropriate credit decisions within established policies and regulations. Initiates, completes, and submits accurate credit-related reports and documentation on a timely basis in accordance with established business processes and assists the origination channels in achieving business goals and objectives. Orders and reviews loan documentation and researches any issues as needed. Gathers and maintains financial background information on present and prospective customers and develops credit studies for loan officers and committees as needed. Develops, implements, and maintains uniform credit policies and procedures to ensure consistency and enhance customer satisfaction. Works with senior executives on all business opportunities and items related to credit policies and decisions. Coordinates communication between the sales team, potential customers, and review committees on credit, underwriting, and funding related issues. Works with managers and executives to support each business unit's performance goals and service standards. Works with either close supervision or under clearly defined procedures. Requirements Bachelor’s degree in Business Administration, Finance, or a related field. One (1) year of experience in commercial/bank underwriting or related experience. Preferences Experience with Fair Isaac credit models. Completion of formal bank underwriting training. Skills and Competencies Ability to learn additional systems as needed. Ability to manage multiple priorities. Ability to research, analyze data, and derive facts. Ability to work in a team environment when applicable. Ability to work under pressure and meet deadlines. Proficiency in Microsoft Office (Excel, Word, PowerPoint, Outlook). Strong attention to detail and proofreading skills. Strong skills in calculating financial ratios. Strong understanding of personal and business credit reports. Strong verbal, written, and organizational communication skills. Strong work ethic and self‑motivation. Compensation Details Pay ranges are job specific and serve as a point‑of‑market reference for compensation decisions. Pay will vary based on individual experience, skills, knowledge, contribution, job location, and performance. Job Range Target: Minimum: $54,336.50 USD Median: $75,102.30 USD Incentive Pay Plans: Eligible for a discretionary incentive plan based on performance metrics and goals. Benefits Information 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 For more details on benefits and plan terms, visit Location Details Ascentium Dover Location Dover, New Hampshire Employment Type Full time Equal Opportunity Employer We are an Equal Opportunity Employer, including Disabled and Veterans. This position is exempt from timekeeping requirements under the Fair Labor Standards Act and is not eligible for overtime pay. It is incentive eligible. #J-18808-Ljbffr Regions Bank