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.

At Regions, the Capital Markets Real Estate Operations Analyst - Middle Office supports the operational functions associated with the bank’s Real Estate Capital Markets business. The business includes originating, underwriting, and servicing loans that are either traded or are securitized by government-sponsored enterprise (GSE) programs, such as Federal National Mortgage Association (FNMA), Delegated Underwriting and Servicing (DUS) and Housing and Urban Development (HUD). The operations group supporting this business is responsible for valuing the Mortgage Servicing Rights (“MSR”), whole loan trading portfolios, as well as proving accounting, reconciliation, reporting, collateral management, and escrow administration.

Primary Responsibilities

• Supports the Middle Office function for the Real Estate Capital Markets businesses

• Performs complex reporting, remitting and reconciling activities related to funding and delivery of loans, securitization of mortgage-backed securities (MBS) and monthly servicing activities

• Creates reporting from the loan servicing system for data validation and valuation

• Adheres to internal controls and industry/regulatory standards

• Executes individual loan calculations and ensures proper accounting associated with each deal

• Supports review and analysis of settlements statements and report adjustments

• Updates, maintains, and distributes loan pipeline reporting for new loans

• Provides new loan pricing and valuations and ensures proper accounting is assigned

• Ensures loan cash flows are properly set up in valuation systems considering prepayment structures and loan default parameters

• Calculates mark-to-market valuation and provides Profit/Loss (PnL) and risk reporting for whole loans and MSRs

• Supports internal audit and external regulatory reporting for the MSR whole loan trading valuations

• Verifies accuracy of pricing data used for daily valuations, interest rate, and credit hedges

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 Accounting, Finance, Economics, or a related field

• Five (5) years of experience working with Real Estate Lending Products

• Significant financial analysis experience

• Experience in database querying

Preferences

• Master’s in Business Administration (MBA) or Chartered Financial Analyst (CFA) or intent to pursue

• Experience working with real estate securities

Skills and Competencies

• Ability to thrive in a fast-paced trading environment

• Advanced Microsoft Office skills (Excel, Word, PowerPoint, Etc.)

• Experience with loan modeling platforms (e.g., MIAC, QRM, Aladdin, PolyPaths, Compass)

• Knowledge and experience with fixed income valuation and analytics

• Proven history of strong analytical skills, especially with Prepayment modeling

• Strong organizational and interpersonal skills

This position may be filled at a higher level depending on the candidate’s qualifications and relevant experience.

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:

$77,969.65 USD

50th Percentile:

$102,850.00 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.

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 all people 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.