Management Associate Credit Underwriter

As an entry level member of the credit risk management organization at Regions, the Management Associate Credit Underwriter (“MA CU”) assesses the potential risks of existing and proposed transactions.  The MA CU will work closely with credit and sales teammates to assist in underwriting credits, research new credit opportunities, and perform portfolio administration duties.  The MA CU will be expected to develop strong working relationships with credit officers and other bankers.

The Management Associate Credit Underwriting track may include the following business group opportunities:

  • Business Loan Center
  • Commercial & Industrial
  • Government and Institutional Banking
  • Regions Business Capital
  • Technology & Services
  • Defense & Government Services
  • Healthcare
  • Energy & Natural Resources
  • Restaurant
  • Transportation & Logistics
  • Financial Services

Learn more about our specialized industries.

As a Management Associate Credit Underwriter, you can expect some of the following responsibilities:

  • Assist in preparing an independent, in-depth analysis of financial statements, projections and business plans; helps to identify and mitigate key risks.
  • Model appropriate loan structures in the profitability model.
  • Perform research on specific companies and industries.
  • Develop a strong working knowledge of the commercial loan policy and the credit risk management policy.
  • Ensure compliance with internal bank commercial loan policy, credit risk management policy and external regulatory requirements; document any exceptions to policy and related rationale.
  • Assist in reviewing internal and attorney prepared loan documents to ensure accuracy as compared to the credit approval package; work closely with para-lenders to ensure timely completion.


Successful Management Associate Credit Underwriters possess the following professional skills:

  • Strong accounting and finance skills
  • Advanced User of Excel, PowerPoint, and Word
  • Excellent analytical and quantitative skills
  • Well organized and attention to detail
  • Ability to manage multiple projects under pressure
  • Excellent verbal and written communication skills
  • Interpersonal skills
  • Problem solving skills

Successful Management Associate Credit Underwriters generally have obtained experience/education in the following areas:

  • Bachelor’s degree in finance, financial services, economics or a related field.
  • Accounting and finance knowledge (six hours of accounting at the college level or equivalent work experience).
  • Expectation of completion of Risk Management Association certification within the first twelve months.


This document is not a formal job description. It is intended to describe the general nature of the work that a Management Associate in this track of the program may be expected to perform or observe over the course of the program. This is not an exhaustive list of the duties and responsibilities, and Regions reserves the right to amend and change program participants’ duties and responsibilities to meet business and organizational needs, which may vary by group, department, branch, and/or location.