Job Title

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 Regionsu2019 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 Capital Markets Real Estate Operations Analyst - Middle Office supports the operational functions associated with the banku2019s 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 (u201cMSRu201d), 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 and whole loan trading valuations + Verifies accuracy of pricing data used for daily valuations, interest rate, and credit hedges + Ensures position data feeds downstream risk systems which measure market, liquidity, and counterparty risk + Supports testing and updating valuations that impact Real Estate Capital Markets and loan trading + Develops, documents, and maintains efficient processes that adhere to internal controls and applicable industry/regulatory standards, including requirements of GSEs + Calculates of the new loan amortization schedule and completes Guaranteed Obligation amortization for MSRs that are valued using LOCOM + Validates the data extracted from the loan servicing system, and ensures that it is incorporated into the MSR valuation process properly + Inputs and reviews all market rates used in valuations and loan pricing + Provides advice and guidance to junior analysts as needed 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 + Bacheloru2019s degree in Accounting, Finance, Economics, or a related field + Eight (8) years of experience working with Real Estate Lending Products + Significant financial analysis experience + Experience in database querying Preferences + Masteru2019s 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 will require daily on site attendance at our Atlanta, GA Midtown office. Some relocation assistance may be considered. 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:_ $101,787.84 USD _Median:_ $143,188.50 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. Benefits Information Regions offers a benefits package that is flexible, comprehensive and recognizes that