Regions Bank jobs in Montgomery, AL

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 Regions' 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 Mortgage Loan Officer directs origination of residential mortgage loans from a borrower through a branch network. **Primary Responsibilities** + Completes mortgage applications for submission to the loan processing and underwriting departments + Evaluates loan requests, analyze financial data, and determines qualification of collateral and customer credit history + Maintains contact with loan customer, communicating progress of loan and obtaining any required documentation + Structures loan to comply with acceptable lending practices and Federal regulations + Establishes detailed marketing/business plan including names of potential and existing loan customers, realtors, builders, developers, etc and frequency of contact + Answers customer calls and walk- in customers to discuss various loan products and qualification information + Makes sales calls on potential or existing customers as established in Regions marketing plan to develop new business or retain existing business + Cross-sells other bank products and services + Reads surveys and appraisals, and takes necessary steps to correct encroachments and violations + May participate in networking through professional, business and community organizations and activities to promote and market loan products This position requires the tracking of time and is eligible for overtime for hours worked in excess of 40 per week under the Fair Labor Standards Act. This is a commission-based job. Associates in the role have historically earned total compensation averaging $20,000 - $100,000+ per year. Actual compensation will vary based on associate's location, performance, and production. This position requires registration with the Nationwide Mortgage Licensing System and Registry (NMLS). Please refer to ************************************************* for more information. **Requirements** + High School Diploma or GED + One (1) year of mortgage lending experience with proven mortgage production + Abundant mortgage experience in developing external business via referral partners in the market including but not limited to realtors, builders, and financial planners **Preferences** + Bachelor's degree + Prior Mortgage Loan Officer experience **Skills and Competencies** + Good organizational skills + Knowledgeable of Mortgage products, systems, terminology, tax requirements, down payment assistance programs, etc. + Knowledgeable on agency and investor regulations and guidelines + Must be able to build and maintain internal and external relationships to deliver high levels of service + Must be able to multi-task competing priorities and meet tight deadlines + Proficient in Microsoft Office products + Sales acumen + Strong written and verbal communication skills + **Positions may be available in other cities within Alabama.** + **Strong preference for MLOs with recent proven production of 10M or greater annually.** **Position Type** Full time **Incentive Pay Plans:** This role is eligible to participate in a commission incentive plan. Employees have the potential to earn commission based on performance against defined metrics and goals. **Position Type** Full time **Benefits Information** Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for benefits-eligible associates. (******************************************************************** 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. *********************************************** **Location Details** Regions Center **Location:** Birmingham, Alabama Equal Opportunity Employer/including 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.

The Commercial Credit Lead plays a vital role in assessing and managing credit risk for commercial clients at M&T Bank. This client facing position involves analyzing financial statement, structuring credit solutions, negotiating legal documents, and obtaining credit approval while ensuring compliance with credit policies and regulatory requirements. The Commercial Credit Lead manages a transaction team and collaborates closely with relationship managers (RM), risk officers, and other stakeholders to facilitate sound credit decisions and maintain portfolio quality. **Primary Responsibilities:** + Facilitate the credit needs of customers by underwriting new requests and material modifications from deal screen through approval and for the life of the loan. This analysis may include recommending adding or removing conditions. + Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating. A CCM program includes but is not limited to annual reviews (and PLRs and Guarantor Assessments), interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance. Review all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data. Determine the need for more thorough investigation or additional information, and coordinate gathering of such information. + Analyze financial information and related materials and complete the credit analyses for the Bank's commercial transactions. Written analyses to include an independent credit quality assessment with well-supported risk rating, identification of and description of credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues of respective deals. + Make appropriate structure recommendations based on an analysis and evaluation of scenarios including the company's case, bank's base case and a downside case. + As part of managing the ongoing credit risk of existing portfolios, identify suspicious activity and activity that may be contrary to customer's interest. + Partner proactively with relationship managers, and be intimately involved throughout the deal process, from deal screen through approval and for the life of the loan to maintain timely and accurate risk ratings for a portfolio of commercial credits. + Spread financial statements and prepare financial models designed to sensitize various conditions impacting the proposed transaction. + Prepare cash flow, collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analysis as appropriate. + Attend client/prospect calls with RMs to gain a thorough understanding of the client/prospect and their business to effectively analyze and underwrite the proposed transaction. Based on underwriting parameters, recommend the risk rating. + Prepare summary, present facts, and offers opinions concerning creditworthiness. + Propose the structure of loan requests, where appropriate, to include suggestions on terms, conditions, collateral, and guarantors. + Displays deep understanding of financial regulatory environment as it applies to underwriting most forms of commercial credit transactions. + Ensure credit policy compliance by verifying adherence of underwriting to the Commercial Credit Policy, and evaluating any risk associated with non-compliance. + Present analysis or address questions during credit request discussions or committee presentations. + Understand and adhere to the Company's risk and regulatory standards, policies, and controls in accordance with the Company's Risk Appetite. Identify risk-related issues needing escalation to management. + Promote an environment that supports belonging and reflects the M&T Bank brand. + Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. + Complete other related duties as assigned. **Scope of Responsibilities:** Commercial Credit is responsible for the credit delivery of the Bank's commercial clients. Credit assessments range from initial analyses of new relationships to the Bank to material modifications or restructurings of long-term relationships and ongoing monitoring through the life of the loan. Commercial Credit is also responsible for ensuring the accurate completion of the Bank's risk rating scorecards and financial statement spreads. The work completed in this capacity is used to make credit decisions for new or renewed or amended credit transactions. The position interacts with commercial banking RMs and sales leadership throughout the bank's footprint and industry verticals, as well as other internal personnel, on credit approvals for the largest, most complex, and/or specialized loans. Customer interaction is expected. Works independently with minimal supervision. Ability to efficiently lead the transaction execution team comprised of an Associate and/or an Analyst. **Supervisory/Managerial Responsibilities:** Input into development of and training of junior/newly hired Analysts and Associates. **Education and Experience Required:** Bachelor's degree in Accounting, Finance or related field and 7 years' experience in complex credit underwriting, specialty underwriting, or other complex financial analysis role. In lieu of degree, a combined minimum 11 years' higher education and work experience, to include 7 years' experience in complex credit underwriting, specialty underwriting, or other complex financial analysis role. Excellent analytical skills with a high level of proficiency in financial modeling and analysis of credit transactions / structures. Ability to calculate and interpret financial ratios, analyze data, and complete trend analysis to understand and minimize credit risks. Proficient with legal documentation including experience and skill in negotiating legal documentation and the ability to structure transactions independently. Excellent verbal and written communication skills. Critical thinking and problem-solving abilities. Attention to detail and high level of accuracy. Ability to work independently and as a part of a team. Strong organizational and time management skills. Customer focused with strong interpersonal and relationship building skills. Proficiency in Microsoft Office. **Education and Experience Preferred:** Experience with Capital IQ, FactSet, and Bloomberg. \#LI-LA1 M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $115,703.73 - $192,839.55 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location. **Location** Clanton, Alabama, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

Manage existing MTEFC (M&T Equipment Finance Corporation) business relationships in conjunction with senior management. **Primary Responsibilities:** Manage existing MTEFC (M&T Equipment Finance Corporation) business relationships in conjunction with senior management, communicating with the customer to satisfy their financing needs. Solicit the existing customer base to originate new financing opportunities, including through bid letters and job awards on publicly funded projects. Leverage our value-add approach of superior service and industry and equipment knowledge to expand business relationships and deliver sufficient margins. Assess experience, financial condition, and collateral of customers to identify their individual needs to provide appropriate financing solutions. Provide industry and customer intelligence provided by surety, suppliers, and vendors to senior management to resolve potential delinquencies. Assist senior management with sales training on a regular basis through sales meetings, conference calls, tradeshows and scheduled one-on-one phone calls. Work with management and support teams to drive success and efficiency, using public data sources that give MTEFC a competitive advantage. Represent the organization in the marketplace and work with other areas within MTEFC to contribute to new business opportunities. Understand and adhere to the Company's risk and regulatory standards, policies, and controls in accordance with the Company's Risk Appetite. Identify risk-related issues needing escalation to management. Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. Complete other related duties as assigned. **Scope of Responsibilities:** **Supervisory/Managerial Responsibilities:** Not Applicable **Education and Experience Required:** Bachelor's degree and a minimum of 7 years' relevant work experience, or in lieu of a degree, a combined minimum of 11 years' higher education and/or work experience, including a minimum of 7 years' relevant work experience **Education and Experience Preferred:** Prior credit underwriting experience Strong verbal and written communication skills Strong organizational skills Strong analytical skills **Physical Requirements:** M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $100,611.94 - $167,686.57 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location. **Location** Clanton, Alabama, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

**_This role offers_** **a** **_hybrid work schedule. This role could be available for remote outside of the M&T footprint._** **_The Bank sponsors individuals for TN and H-1B transfers on a case by case basis. Please note that this position is not open to anyone on an F-1 student visa including those eligible for CPT/OPT or the Stem OPT extension._** **At M&T Tech,** **we're a team of makers, doers, and builders, working to create the most advanced technology solutions in banking. We're not your stereotypical suit and tie bankers: we're an innovative team of leading tech experts, pushing boundaries, and taking risks. We're building an agile team of the most skilled and creative workers to solve complex problems, architect solutions, write high-performance software, and chart our new path, all to make the lives of our customers, and the communities that we serve, better. Join us and be part of something new as we build tomorrow's bank, today.** **FinOps Lead - Optimization and Efficiency** **We have a great opportunity to use your financial and data experience to help M&T Bank drive efficiency and gain value from our Cloud adoption journey. We are seeking a full-time FinOps lead to serve as the principal lead in managing the resource and cost usage of the cloud environment. The purpose of this role is to work with our Cloud & data center engineering teams to ensure we're using our cloud instances efficiently and effectively and eliminating unnecessary spending. This role will be responsible for providing clear visibility into spend and usage. In this role, you'll be responsible for proactively collaborating with Business Line Application engineering groups to manage cloud & on premise resources, execute cost-cutting methods, and ensure cloud & on prem spending and usage constructively supports organizational growth.** **The ideal candidate will have experience in cloud & on prem resource management and will be self-motivated and detail oriented. The ideal candidate takes ownership over Optimization Strategy, visualization and will work with the business line application teams to help the successful execution of optimization opportunities.** **Responsibilities** **Support the cloud data lifecycle from start to finish with a focus on building optimized environments and continuing to optimize throughout the life of instances.** **Working with Cloud Platform engineering, support the business lines in maintaining their environments within the parameters of the Azure Budget, oversee the Azure Billing Dashboard, and manage the Azure Compute Savings Plan** **Create operational metrics to demonstrate costs and usage and to identify areas for cost-cutting optimization.** **Serve as a liaison between Microsoft and M&T to obtain recommendations on how to reduce costs and use resources effectively in our Microsoft Azure environments.** **Lead metrics and dashboard review meetings · Devise and distribute billing reports to internal stakeholders to achieve effective cost management.** **Work within the Cloud organization including Architecture and SRE to ensure cost optimization efforts are understood incorporated in the patterns and policies.** **Education and Experience Required:** **Combined minimum of 8 years' combined higher education and/or operational/business analytics/systems development experience** **BA or equivalent Microsoft Azure Certifications** **Knowledge of Public Cloud cost management and tools (Azure calculator, Apptio/Cloudability, etc.)** **Knowledge of on prem cost management tools (e.g. Apptio)** **Solid understanding of the process of tagging resources within Azure** **Effective collaboration skills, allowing for continuous and proactive communication across various internal groups, from entry level to executive management.** **Education and Experience Preferred:** **Bachelor's degree** **Experience working with both Microsoft Azure and Amazon Web Services (AWS)** **We support our team members with generous benefits.** **Competitive compensation** **Health, welfare, and retirement benefits** **401(k) match at 5%** **Work-life balance and flexible work arrangements** **Banking Officers start with 25 days PTO plus 12 paid holidays** **40 hours paid volunteer hours per year** **Much more. For details, see: M&T Benefits Overview (************************************************************************************************ **About M&T** **M&T Bank is a Top 20 US bank holding company and one of the best performing and financial stable regional banks in the country, we offer our technology employees a wide range of performance-based career development opportunities. We have a strong commitment to our customers and the communities we serve, and we continue to grow with a focus on the future. So, when looking to advance your career, look to M&T. Grow with us.** \#FinOps \#LI-JB3 M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $97,869.52 - $163,115.87 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location. **Location** Clanton, Alabama, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

**_This role offers_** **a** **_hybrid work schedule or could be considered remote for anyone outside M&T footprint._** **At M&T Tech** **, we're a team of makers, doers, and builders, working to create the most advanced technology solutions in banking. We're not your stereotypical suit and tie bankers: we're an innovative team of leading tech experts, pushing boundaries, and taking risks. We're building an agile team of the most skilled and creative workers to solve complex problems, architect solutions, write high-performance software, and chart our new path, all to make the lives of our customers, and the communities that we serve, better. Join us and be part of something new as we build tomorrow's bank, today.** **Overview:** **The Senior Systems Programmer for Mainframe Middleware and Networking is responsible for the design, configuration, implementation, and maintenance of the organization's mainframe network and middleware software. The ideal candidate will be an expert in z/OS networking protocols and key middleware products like CICS, DB2, and MQ Series. They will play a critical role in ensuring the high availability, performance, and security of mission-critical systems and application connectivity. Participates in technical research and development to enable continuing innovation within the Middleware & Networking Mainframe infrastructure. Participates in architecture discussions.** **Primary Responsibilities:** **System Management & Product Maintenance** **: Install, customize, and maintain mainframe networking and middleware software, including but not limited to, z/OS Communication Server (TCP/IP, VTAM) and IBM middleware products like CICS, DB2, MQ Series, and Connect:Direct (NDM). Apply maintenance to all associated software & products as required to maintain system stability.** **Troubleshooting and Problem Resolution** **: Serve as a top-tier technical escalation point for complex problems involving mainframe networking and middleware components. Use diagnostic tools (e.g., IPCS, packet traces) to perform root cause analysis and implement effective solutions. Respond to and resolve incidents; work with vendor to identify and implement fix where applicable. Provide guidance to less experienced staff. Identify root causes of system issues and work with partner teams to fix the root cause.** **Performance and Tuning** **: Monitor system performance, conduct capacity planning, and implement performance-tuning measures to optimize system efficiency and ensure service-level agreements (SLAs) are met.** **Security and Compliance** **: Work closely with the security team to implement and maintain security protocols, including AT-TLS configuration and certificate management, to protect data and ensure compliance with corporate standards.** **Project Leadership** **: Lead and participate in large-scale projects, such as major software upgrades, hardware refreshes, and disaster recovery planning and exercises.** **Collaboration and Mentoring** **: Collaborate with application developers, operations staff, and other systems programmers. Provide technical guidance and mentorship to junior team members.** **Documentation** **: Maintain comprehensive documentation of system configurations, procedures, and problem-solving techniques.** **Education** **: Attend vendor sponsored conferences as a representative of the Bank to seek out industry technology to utilize at the Bank. Provide thought leadership at vendor-sponsored conferences; presenting new technologies or providing industry leadership in new technologies. Review training opportunities that are available and make recommendations.** **On-call Support:** **Take ownership of emergency support responsibilities as part of a 24/7 on-call rotation.** **Collaboration** **: Ability to work effectively in a team environment and collaborate with various departments to achieve organizational goals.** **Additional Responsibilities** **:** **Understand and adhere to the Company's risk and regulatory standards, policies and controls in accordance with the Company's Risk Appetite. Identify risk-related issues needing escalation to management.** **Promote an environment that supports belonging and reflects the M&T Bank brand.** **Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.** **Complete other related duties as assigned.** **Required skills and qualifications** **Technical expertise** **:** **10+ years of hands-on experience in mainframe systems programming on the z/OS platform.** **Expert-level knowledge of z/OS Communication Server, including TCP/IP and VTAM.** **Strong proficiency with mainframe middleware, including IBM MQ Series, CICS, DB2, and Connect:Direct (NDM).** **In-depth knowledge of SMP/E for software installation and maintenance.** **Fluency in JCL, REXX, and CLIST among others.** **Analytical skills** **: Proven analytical and problem-solving skills for diagnosing and resolving complex technical issues.** **Communication** **: Excellent written and verbal communication skills, with the ability to explain complex technical information to both technical and non-technical audiences.** ** ** **Education and experience** **Bachelor's degree in Computer Science, Information Technology, or a related field, or equivalent work experience** **.** **10+ years of experience in mainframe systems programming, with a focus on networking and middleware.** **Relevant certifications are a plus.** **We support our team members with generous benefits.** **Competitive compensation** **Health, welfare, and retirement benefits** **401(k) match at 5%** **Work-life balance and flexible work arrangements** **Banking Officers start with 25 days PTO plus 12 paid holidays** **40 hours paid volunteer hours per year** **Much more. For details, see: M&T Benefits Overview (************************************************************************************************ **About M&T** **M&T Bank is a Top 20 US bank holding company and one of the best performing and financial stable regional banks in the country, we offer our technology employees a wide range of performance-based career development opportunities. We have a strong commitment to our customers and the communities we serve, and we continue to grow with a focus on the future. So, when looking to advance your career, look to M&T. Grow with us.** **\#LI-JB3** M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $110,635.01 - $184,391.68 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location. **Location** Clanton, Alabama, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

Responsible for the completion of internal audits and communicating results to loan production offices and management; maintain current knowledge of both internal and external policy, procedures and guidelines; evaluate trend pattern analysis and identify fraud/misrepresentation. **Primary Responsibilities:** + Evaluate a selected number of loans on a monthly basis to ensure accuracy, adherence to procedures, and compliance with Bank standards. + Perform both pre-funding and post-funding Quality Control reviews to include review of underwriting guidelines and product pages applicable to each loan reviewed, re-verification of specific contents of the loan file, ordering and review of field review appraisals, communication of potential defects to applicable parties and updating of QC system. + Exercise judgment when utilizing escalation process. + Conduct special audits as required in response to requests from Audit, Mortgage Management, and/ or any regulatory agency. + Identify red flags and conduct additional due diligence when applicable. + Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. + Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. + Promote an environment that supports belonging and reflects the M&T Bank brand. + Complete other related duties as assigned. **Education and Experience Required:** Associate's degree with minimum 4 years' mortgage processing/underwriting experience, OR in lieu of a degree, A combined minimum of 6 years' higher education and/or work experience, including a minimum of 4 years' mortgage processing/underwriting experience. Working knowledge of agency guidelines. Ability to work well with all levels of management. Excellent verbal and written communication skills. Proven customer service skills. Demonstrated ability to work well under pressure **Education and Experience Preferred:** FHA DE and VA LAPP certifications. Proficient in Allregs, Microsoft Excel and Word. Experience in both Retail and 3rd party originations. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $51,504.81 - $85,841.35 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location. **Location** Clanton, Alabama, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

Responsible for the management, planning and coordination of assigned Mortgage/Consumer Lending unit of approximately 10 employees, either directly or indirectly. Provide technical, functional and operational expertise in department work policies and procedures. Make recommendations concerning staffing, performance appraisals, promotions, salary recommendations and terminations. **Primary Responsibilities:** + Responsible for the planning, leadership, problem resolution, analysis and reporting for assigned Mortgage/Consumer Lending unit of approximately 10 employees, either directly or indirectly. Ensure that the unit managed is adequately staffed and personnel are trained. + Review and recommend new methods and procedures to make daily operations more efficient. Provide recommendations for department policy changes and creates new unit policy and procedures. Consults and communicates with operations staff. + Provide input to tactical planning and short-term initiatives. Responsible for unit contingency planning and regulatory compliance. + Participate in projects at the department level. + Support annual Budget process. Continuing responsibility for expense control. + Make recommendations concerning staffing, performance appraisals, promotions, salary recommendations and terminations. Administer Human Resource recommended actions. Oversee training and development of direct reports. Interview prospective employees and make recommendations for hire. **Scope of Responsibilities:** This position requires a thorough knowledge of business, applicable regulations and affiliated technology. The position works with some uncertainty with established parameters for solutions, possesses moderate risk to organization. **Supervisory/ Managerial Responsibilities:** Responsible for multiple direct reports at the supervisor level. Oversee a unit or small department of 10+ employees. **Education and Experience Required:** Bachelors Degree, OR in lieu of degree, Four to five years relevant work experience. Minimum three years operations experience. Minimum three years supervisory experience. SAFE Act registration required. **Education and Experience Preferred:** Masters degree M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $60,890.34 - $101,483.90 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location. **Location** Clanton, Alabama, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

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 Regions' 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 Relationship Banker I is responsible for providing an exceptional customer experience, both on the cash line and on the phone, and contributing to improving the financial wellness of our customers. The purpose of this role is to create meaningful personal connections with customers while processing transactions, identify ways for Regions to meet customer needs, and assist in resolving end to end customer service inquiries. This role offers an exciting opportunity for candidates with prior teller, limited banking, or some retail sales experience who are interested in beginning a career with opportunities for growth, development, and upward mobility. Regions' mission is to make life better for our customers and communities. The successful candidate should be ambitious and adaptable with a desire to educate customers on the ability to bank when, where, and how they want. This requires an individual who has strong communication skills and the ability to provide personalized customer service. Primary Responsibilities Provides a consistent optimal customer experience on the cash line while handling customers' transactional needs, such as deposits, withdrawals, payments, and other typical teller transactions Answers customer inquiries regarding products and services and fulfills basic servicing requests, such as new / replacement cards, information changes, PIN reset requests, reordering checks, and basic problem resolution Develops relationships with customers, remaining well-informed about the customer's relationship with the bank Educates customers on standard consumer products and digital solutions such as mobile, online, and ATM offerings, all designed to make banking easier Assists branch and fellow team members with basic tasks to aid in customer problem resolution May conduct outbound phone calls using generated customer and prospect lead lists to educate customers on emerging technology and assist with meeting their financial needs Refers customers to an internal team of experts when more complex financial goals and needs are recognized Follows all bank processes and procedures and adheres to applicable laws and regulations, including completing duties delegated and assigned by the Branch Manager; as a member of the branch team, ensures sound banking practices, including managing, identifying and reporting operational risks Achieves branch targets and goals by identifying customer needs and providing appropriate guidance and perspective about Regions' solutions This position requires the tracking of time for hours worked in excess of 40 per week and is eligible for overtime under the Fair Labor Standards Act. This position is incentive eligible. Requirements High School Diploma or GED Ability to work Saturdays as needed Ability to handle cash and process cash transactions Ability to communicate in person, on the phone, and through electronic channels Ability to use a computer on a frequent basis, including typing and sustained attention to a monitor Ability to walk and stand for extended periods of time Ability to lift up to twenty (20) pounds Preferences One (1) year of banking, cash-handling, and/or customer service experience Skills and Competencies Ability to adhere to policies, procedures, and guidelines Ability to assist customers with digital banking offerings Ability to handle multiple priorities simultaneously Ability to oversee large sums of cash Strong customer focus and relationship-building 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: $37,260.55 USD Median: $42,465.00 USD Incentive Pay Plans: This role is eligible to participate in a formulaic incentive plan. Employees have the potential to earn incentives based on performance against defined metrics and goals. Benefits Information Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for benefits-eligible associates. 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. ************************************************************* Location DetailsWesternLocation:Montgomery, Alabama Equal Opportunity Employer/including 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.

Why Wells Fargo: Are you looking for more? Find it here. At Wells Fargo, we're more than a financial services leader - we're a global trailblazer committed to driving innovation, empowering communities, and helping our customers succeed. We believe that a meaningful career is much more than just a job - it's about finding all of the elements to help you thrive, in one place. Living the Well Life means you're supported in life, not just work. It means having robust benefits, competitive compensation, and programs designed to help you find work-life balance and well-being. You'll be rewarded for investing in your community, celebrated for being your authentic self, and empowered to grow. And we're recognized for it - Wells Fargo once again ranked in the top three - making us the #1 financial services employer - on the 2025 LinkedIn Top Companies list of best workplaces "to grow your career" in the U.S. Join us! About this role: Wells Fargo is seeking a Teller in our Consumer, Small & Business Banking division, as a part of our National Branch Network. You are part of the fabric of the local community, helping provide the financial service backbone for its residents, employees and local businesses. If you enjoy working with people, then this is a great role for you with tremendous opportunity to establish your career here at Wells Fargo for years to come. Find out why we're the #1 financial services company to grow YOUR career. Apply today. In this role you will: * Support customer engagement by processing teller transactions, sharing digital solutions, and making appropriate introductions to bankers * Complete operational activities while minimizing risks under established policies * Perform routine transactional, operational, and customer support tasks efficiently through knowledge of bank procedures and products, as well as partners across the organization * Receive direction from managers and exercises judgment within defined policies and procedures * Escalate questions and issues to more experienced roles * Interact with customers and individuals to demonstrate care, build relationships, and complete requested transactions * Identify information and services to meet customers financial needs Required Qualifications: * 6+ months of interacting with customers experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education Desired Qualifications: * 6+ months of experience interacting with people, demonstrated through work, military, or education * Military experience (transitioning military service member, reserve military service member or a veteran) and currently enrolled in a college or university program * Customer service focus with experience handling complex transactions across multiple systems * Ability to educate and connect customers to technology and share the value of mobile banking options * Ability to interact with integrity and professionalism with customers and team members * Experience working with others on a team to meet customer needs * Cash handling experience * Ability to follow policies, procedures, and regulations * Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss * Well-organized, independent and able to prioritize in a fast-paced environment * Ability to exercise judgment, raise questions to management, and adhere to policy guidelines * Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting * Proficient with proactively sourcing, acquiring, building, and maintaining relationships with customers and colleagues Job Expectations: * Ability to work a schedule that may include most Saturdays * This position is not eligible for Visa sponsorship Posting Location(s): * 2783 Legends PKWY PRATTVILLE, AL 36066 @RWF22 Posting End Date: 14 Nov 2025 * Job posting may come down early due to volume of applicants. We Value Equal Opportunity Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic. Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements. Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process. Applicants with Disabilities To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo. Drug and Alcohol Policy Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more. Wells Fargo Recruitment and Hiring Requirements: a. Third-Party recordings are prohibited unless authorized by Wells Fargo. b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

Support the risk assessment and plan development process to determine audit coverage; Maintain ongoing awareness of current and proposed discretionary initiatives within assigned portfolios to utilize as input to resource allocation and to share with the audit team; Regularly interact with Senior, Middle, and Line Management in assigned portfolio(s) to remain aware of changing or emerging risks and proactively utilize this information in audit planning, to facilitate changes to the continuous auditing program, and to facilitate discussions with Executive Management when considered warranted; Represent IT Audit on discretionary project committees to provide input on control expectations or advise on best practices; Work with management to implement appropriate solutions to audit findings and engage with Senior Management on matters that will have a major impact on the area managed; Support and encourage integrated auditing concepts and use of technology to improve the efficiency and effectiveness of audit procedures; Apply an in-depth understanding of the inter relationships of business and support units throughout a financial institution and discuss potential impacts to the overall control environment and impacts to proposed audit approaches; Ensure comprehensive continuous auditing and validation procedures are in place on Internal Audit and regulatory issues; Provide appropriate level of oversight to IT Audit Management and staff. Provide coaching and developmental feedback and tailor approach based upon staff skills and experience. Provide advisory and consulting services to Bank management on risk and control matters; Manage multiple tasks concurrently in an efficient and effective manner with minimal oversight; Ensure the delivery of clear and concise Audit Reports to management; and Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. **Minimum requirements:** Bachelor's degree, or foreign equivalent, in Computer Science, Information Technology, Information Management, Data Science, and Cybersecurity, or related field plus five (5) years of experience in the job offered or as IT Auditor, Systems Analyst, Software Engineer, or related occupation. Must have five (5) years of experience managing audit lifecycle from planning to reporting of complex technology implementations; auditing cloud technologies and large-scale implementations; auditing various aspects of identity and access management program including governance and technologies across the access lifecycle. Must have four (4) years of experience auditing cybersecurity and BCM (business continuity management) programs and underpinning frameworks, processes and technology. Must have two (2) years of experience auditing enterprise data management principles. **Salary:** $205,500.00 - $215,500.00 per year. **Location** Clanton, Alabama, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

Perform advanced data and statistical analysis in support of the creation and maintenance of statistical models, including Regression and Multivariate models. Support unit (dept.) in data analysis and model construction. Provide oversight and expertise in the model creation, testing and validation. Develop and integrate model strategy to support business initiatives and regulatory compliance. **Primary Responsibilities:** + Lead Quantitative Analysts in establishing, monitoring, evaluating and interpreting data with a risk management focus with an understanding of business strategy. + Mentor and supervise the work of junior team members and assist in the development of their statistical modeling acumen in areas such as segmentation analysis, logistic regression, decision trees and multivariate analysis. + Demonstrated working knowledge of Credit Risk databases to provide data and analytical support to Senior Management. + Perform data manipulation and analysis using SQL, SAS and Microsoft Excel and present results and recommendations to Credit Risk Management. + Track portfolio performance and risk strategy results. Incorporate observations and data in to existing models to improve predictive results. + Provide guidance and direction to lower level analysts regarding all aspects of data analysis and the construction of predictive statistical models. + Understand and adhere to the Company's risk and regulatory standards, policies and controls in accordance with the Company's Risk Appetite. Identify risk-related issues needing escalation to management. + Promote an environment that supports belonging and reflects the M&T Bank brand. + Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. + Complete other related duties as assigned. **Education and Experience Required:** Bachelor degree in Mathematics, Statistics, Quantitative Analysis or another technical discipline, OR in lieu of degree, A combined minimum of 9 years higher education and/or work experience to include a minimum of 5 years relevant experience. -OR- Master's degree in Mathematics, Statistics, Quantitative Analysis or another technical discipline, with minimum of 3 years relevant experience, OR in lieu of degree, A combined minimum of 9 years higher education and/or work experience to include a minimum of 3 years relevant experience Minimum of 5 years relevant experience Banking or Financial Services experience. Experience with SAS, SAS Enterprise Miner and other Statistical Software Packages. Advanced Knowledge of SQL and Microsoft Office. Ability to utilize analytics in a collaborative manner across business functions and product lines to derive optimum solutions. Demonstrated ability to communicate complex concepts. Demonstrated ability to manipulate and analyze data across large databases. **Education and Experience Preferred:** Credit Analysis experience M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $97,869.52 - $163,115.87 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location. **Location** Clanton, Alabama, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

Seasoned processor with a strong analytical ability to assess conventional and government loan requests based on a thorough knowledge of product, underwriting, and investor guidelines. Serve as the communication liaison between the customer and M&T's Mortgage department. Directly assist customers as required in a prompt, courteous and professional manner. **Primary Responsibilities** + Maintain effective communication with all necessary parties involved in a new loan application, from the customer, loan officer, realtors, settlement agents, municipalities, and co-workers to ensure a seamless and positive application experience. + Work with various internal departments as well as external organizations to obtain processing related documentation or obtain necessary information needed to complete an application i.e.: Verification of Employment, IRS Transcripts, title search, appraisal, bank statements, etc. + Immediately notifies all necessary parties of irregularities relative to standard mortgage guidelines. + Monitor, update and analyze credit reports, appraisals, income documentation, and all verifications to ensure they adhere to product, underwriting and investor guidelines. + Perform other administrative duties supporting the origination department including, but not limited to: preparing and mailing commitment letters, review title and homeowner's insurance, mailing loan suspend notices, providing the closing attorney with additional documentation, and all applicable processing checklists. + Ability to scrutinize a loan application to assess qualification, and is able to restructure a loan or recommend solutions. + Empowered to review and accept loan conditions based on underwriter requirements. + Ensures adherence to all regulatory requirements and guidelines. + Strong analytical/mathematical background to evaluate changes to borrower's current fee structure, allowable changes to those fees and the re-creation of the required regulatory documents. + Work closely with both Internal and External Customers such as co-workers, borrower(s) and Loan Officers. + Identify risk-related issues needing escalation to management. + Promote an environment that supports belonging and reflects the M&T Bank brand. + Complete other related duties as assigned. **Education and Experience Required** + Associates Degree or two years equivalent work experience. + Two to three years prior mortgage processing or underwriting experience. **Education and Experience Preferred** + Good PC skills with strong knowledge of Excel, Word, Email Platform and Adobe. + Ability to make sound decisions based on information provided. + Knowledge of Product, Investor and Compliance Requirements. + Versatility and flexibility working within an ever changing fast paced mortgage environment. + Adapting to new policies and procedures to improve processes and workflow. + Ability to function independently within time constraints. + Excellent verbal and written communication skills. + Highly organized with the ability to multitask. + Strong attention to detail. + Prioritization of daily workload. + Ability to work in a team environment. + Strong work ethic, reliable and dependable. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $18.57 - $30.95 Hourly (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location. **Location** Clanton, Alabama, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

Responsible for identifying, assessing, and advising on emerging non-traditional banking solutions such as crypto currency/ stablecoin, artificial intelligence and digital assets that could materially impact our financial crimes compliance risk profile and strategic direction. Provides strategic insight to the BSA Officer, CRO and risk leadership team. Plays a critical role in identifying, assessing, and mitigating risks associated with digital assets, blockchain technologies, and virtual currencies. Demonstrates deep expertise in financial crime compliance, crypto markets and emerging technologies and collaborates with cross-functional teams to ensure the institution remains compliant with regulatory expectations and industry best practices. **Primary Responsibilities:** + Develop and implement a comprehensive crypto and other emerging non-traditional banking solutions financial crimes risk management framework aligned with M&T Bank BSA/AML and sanctions compliance standards. + Act as the enterprise-wide financial crimes compliance subject matter risk expert on crypto/stablecoin and other emerging non-traditional solutions. + Partner with technology teams to evaluate and implement blockchain analytics tools and crypto transaction monitoring systems. + Lead investigations into suspicious crypto-related activity and provide guidance on appropriate mitigation strategies. + Collaborate with AML, fraud, sanctions, and cybersecurity teams to ensure cohesive risk coverage. + Advise on crypto-related policy development, including KYC, transaction monitoring, sanctions filtering and blockchain analytics. + Remain current with emerging non-traditional banking solutions regulatory developments and ensure organizational compliance. + Develop and deliver training programs on crypto-related financial crime risks to internal stakeholders. + Conduct deep-dive risk assessments and scenario analyses on topics such as digital assets and other emerging non-traditional banking products and/or channels. + Evaluate and advise on new and/or revised products and services from a crypto compliance risk perspective for assigned areas. + Provide regular briefings and strategic insights to the BSA Officer, CRO and the risk leadership team. Provide valuable input in various committees and working groups comprised of senior and executive management business partners. + Collaborate with business units, compliance, legal, technology, and audit to ensure a coordinated response to emerging threats. + Represent the bank in industry working groups, regulatory consultations, and thought leadership forums. + Exercise usual authority of a manager concerning staffing, performance appraisals, promotions, salary recommendations, performance management and terminations. + Understand and adhere to the Company's risk and regulatory standards, policies and controls in accordance with the Company's Risk Appetite. Design, implement, maintain and enhance internal controls to mitigate risk on an ongoing basis. Identify risk-related issues needing escalation to management. + Promote an environment that supports diversity and reflects the M&T Bank brand. + Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. + Complete other related duties as assigned. **Scope of Responsibilities:** Incumbent will be responsible for taking emerging trends in non-traditional banking solutions and turning them into actionable insights for senior leadership, helping shape enterprise risk strategy and decision-making. This role requires an ability to perform independently but maintain close collaboration with cross-functional teams to embed forward-looking risk intelligence into governance, planning, and reporting processes. **Supervisory/Managerial Responsibilities:** Manages small team of crypto analysts and investigators. Provide coaching, mentorship and performance management to direct reports. Oversees resource allocation and project prioritization within crypto risk function. Fosters a culture of innovation, accountability and continuous improvement. Responsible for full supervisory and development of team through professional leadership. Strong ability to direct, persuade, and influence across division and peers throughout the bank. **Education and Experience Required:** + Bachelor's degree with a minimum of 9 years' relevant work experience in a banking, financial technology, crypto, compliance and/or other relevant field with a minimum of 4 years' managerial, supervisory or work leadership experience, OR in lieu of a degree, a combined minimum of 13 years' advanced education and/or relevant work experience, with a minimum of 9 years' relevant work experience in a banking, financial technology, crypto, compliance and/or other relevant field with a minimum of 4 year's managerial, supervisory or work leadership experience + Strong understanding of blockchain technology, crypto exchanges, wallets, and DeFi platforms + Direct experience with blockchain analytics tools (e.g., Chainalysis, Elliptic, TRM Labs) + Proven ability to lead complex investigations and manage cross-functional initiatives + Excellent communication skills + Excellent analytical skills + Excellent leadership skills + Knowledge of relevant Industry and Regulatory standards and expectations, e.g., GENIUS Act, Stable Act. **Education and Experience Preferred:** + Master's degree and/ or relevant professional certifications (e.g., CAMS, CFE, CRCM). + Experience working in a financial institution, financial technology, or crypto-native company + Familiarity with global regulatory frameworks and enforcement actions related to crypto + Experience with data analytics, machine learning, or forensic accounting in a crypto context M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $118,945.80 - $198,243.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location. **Location** Clanton, Alabama, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

This position is responsible for managing the foreclosure process for an assigned portfolio of mortgage loans, contested foreclosures or loans in other litigation to ensure foreclosure is completed timely in accordance with investor guidelines and for providing administrative support related to the foreclosure process. **Primary Responsibilities:** + Monitor progress of the foreclosure action from referral to post foreclosure, including management of issues raised, holds placed and review/research needed to complete the foreclosure action. + Communicate with foreclosure attorneys to understand, minimize and avoid delays during the foreclosure. Work with foreclosure attorney to resolve simple contested/litigation actions and title issues to allow completion of the foreclosure action. + Provide necessary status updates to investors during the foreclosure process. Assemble and provide documentation in response to investor or regulatory audit requests. + Generate various scheduled and ad hoc reports as needed for Foreclosure, including but not limited to monthly scorecard reporting, exception reporting, and workflow tracking reports. + Ensure investor deadlines within the foreclosure are met, including but not limited to FHA 1st legal deadlines and FHA eviction 1st legal deadlines. + Prepare bidding instructions according to investor guidelines and ensure proper bidding for sales where M&T's lien is not in first position. + Review VA appraiser invoices for payment. Obtain necessary W-9, set up payee header and submit invoice for payment. + Perform initial review of documents required for foreclosure or simple contested litigation, gathering of backup and submission to Tier 2 Reviewer for further review and execution. + Review equity position and prepare necessary equity analysis for potential charge off. + Provide sale results to investor, MI companies and other necessary parties, updating systems as required. + Work with attorneys to ensure proper reporting of foreclosure status to investors. + Manage a variety of assigned tasks to hold, close or proceed with foreclosure taking action within the required service level agreement. + Complete daily Sale Result QC for Foreclosure team. Monitor, distribute and respond to emails sent to Team email boxes. Receive, review and distribute legal mail received in Customer Asset Management (CAM) pertaining to residential property in which the bank has an interest, to avoid risk of loss to the bank or its investors and work with in house counsel and management to determine if external counsel must be engaged to represent M&T. + Request checks for disbursement of bid deposit, senior lien payoff and settlements. + Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. + Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. + Promote an environment that supports belonging and reflects the M&T Bank brand. + Complete other related duties as assigned. **Scope of Responsibilities:** This position interacts with external third-party foreclosure attorneys to ensure successful and timely completion of foreclosure consistent with investor guidelines. This position also interacts with CAM Management and internal & external counsel. **Education and Experience Required:** A combined 3 years' higher education and/or work experience, including a minimum of 1 year Default Servicing related field experience (e.g., Collections, REO, Loss Mitigation). Working knowledge of word processing and spreadsheet software. Strong written and verbal communication skills. Detail oriented. Strong analytical and problem solving skills. Motivated, team player with a positive and friendly attitude. **Education and Experience Preferred:** 3 years' Default Servicing related field experience (e.g., Collections, REO, Loss Mitigation). Proven ability to work effectively in a team environment. Knowledge of bank and departmental systems. Understanding of mortgage product including home equity loans and lines of credit. Experience reading and comprehending the contents of legal documents. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $18.57 - $30.95 Hourly (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location. **Location** Clanton, Alabama, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

**M&T Realty Capital Corporation** is a wholly-owned subsidiary of M&T Bank. As a full-service mortgage banking company, we specialize in providing competitive financing nationwide for commercial real estate. Responsible for due diligence and direct underwriting of multifamily transactions under the Fannie Mae and Freddie Mac programs. In addition, the UW is responsible for coordinating all aspects of the loan from the time the loan is assigned to the Underwriter to closing and after to ensure all data points are consistent and correct to be prepared for a successful post closing audit. Underwriter needs to be flexible to pivot quickly to incorporate new procedures and software systems. **Position Responsibilities:** + Analyze and manage the multifamily underwriting process ensuring loans are underwritten in accordance with appropriate investor guidelines and commitments are issued in a timely manner. + Responsible for accurate loan sizing and overall risk assessment prior to/or after application utilizing specific investor underwriting guidelines and requirements. + Interview prospective borrowers and property managers to obtain critical property, management, and borrower details for each transaction. + Responsible for reviewing subordinate debt documents and regulatory agreements in accordance to the program requirements. + Work with originators to determine most appropriate deal structure for transactions and resolve outstanding issues. + Interact with respective Investor Representatives (Fannie Mae, Freddie Mac, etc) regarding loan transaction terms and waivers. + Inspect property in accordance with Investor guidelines (travel required-national). + Obtain and review all third party reports associated with each transaction as required by specific investor. + Completion of underwriting narrative/committee package. + Work closely with the processing team to monitor the status of the submission and communicate with the deal team and customer to ensure transactions are submitted in a timely manner. + Review of commitment letter and handoff to loan closing department. + Stay current new or revised legislation and regulations that may impact established policies. + Coordinate with construction lenders, equity providers, and bond underwriters depending on the product type. + Work with loan analysists in sizing transactions prior to transactions going under application. + Addressing post-closing follow-up requests from asset management or rating agencies and potential buyers of the security during the securitization process (Freddie Mac). + Mentor junior underwriters assigned to transaction. + Complete other related duties as assigned. **Scope of Responsibilities:** Underwriters are required to use analytical skills to review rent roll, operating statements, financial statements, third party reports (real estate appraisals, market studies, physical needs reports and environmental reports) to make credit judgments and prepare the required application submissions to the appropriate agency. Position requires a high level of detail and desire/ability to serve as mentor to others on the team, as experience is gained. **Supervisory/ Managerial Responsibilities:** Indirect management/mentor of other team members assigned to the transaction. **Minimum Qualifications:** Bachelor's Degree or equivalent work experience and 7 years multifamily agency underwriting or related experience to include completion of multifamily inspection training (or similar work experience and credit training) or in lieu of a degree a combined minimum of 11 years' higher education and/or work experience including a minimum of 7 years underwriting or related experience to include completion of multifamily inspection training (or similar work experience and credit training) Teamwork and strong verbal and written communication skills. Strong problem solving skills offering solutions to keep the transaction moving forward. Strong Excel and modeling ability. Travel will be required to inspect properties and attend necessary training, when available. **Why Choose MTRCC:** We are 1 of 5 US-based lenders offering Fannie Mae, Freddie Mac, FHA, bridge loans, life company, debt funds and other capital source relationships Our parent company, M&T Bank, is one of the largest commercial real estate lenders in the United States. We leverage the power of our balance sheet and other financial services to provide a wide array of resources to fit our clients' needs. Approved Fannie Mae DUS and Freddie Mac Optigo lender since 1989 One of the nation's leading firms providing FHA-insured multifamily mortgages and an approved MAP lender with 30+ years of experience We offer a competitive Multifamily Bridge Loan Program aimed at providing customers with shorter-term financing solutions as a bridge to closing on an agency or life company execution Our long-standing relationships with numerous life insurance company investors gives us flexibility during the term of a loan M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $115,703.73 - $192,839.55 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location. **Location:** Clanton, Alabama, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

The Commercial Credit Senior Associate plays a pivotal role in assessing and managing credit risk for commercial clients at M&T Bank. This position involves analyzing financial statements, monitoring loan portfolio, and ensuring compliance with credit policies and regulatory requirements. This client facing role serves as a critical link between relationship managers (RM) and credit risk management to facilitate sound lending decisions and portfolio management. **Primary Responsibilities:** + Focus on transaction execution and portfolio management and will partner with senior team members on complex transactions/account coverage. + Facilitate the credit needs of customers by underwriting new requests and material modifications from deal screen through approval and for the life of the loan. This analysis may include recommending adding or removing conditions. + Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating. A CCM program includes but is not limited to annual reviews, interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance. + Review all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data. Determine the need for more thorough investigation or additional information, and coordinate gathering of such information. + Analyze financial information and related materials and complete the credit analyses for the Bank's commercial transactions. Written analyses to include an independent credit quality assessment with well-supported risk rating, identification of and description of credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues of respective deals. + Make appropriate structure recommendations based on an analysis and evaluation of scenarios including the company's case, bank's base case and a downside case. + As part of managing the ongoing credit risk of existing portfolios, identify suspicious activity and activity that may be contrary to customer's interest. + Partner proactively with relationship managers and be intimately involved throughout the deal process, from deal screen through approval and for the life of the loan to maintain timely and accurate risk ratings for a portfolio of commercial credits. Spread financial statements and prepare financial models designed to sensitize various conditions impacting the proposed transaction. + Prepare cash flow, collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analysis as appropriate. + Attend client/prospect calls with RMs to gain a thorough understanding of the client/prospect and their business to effectively analyze and underwrite the proposed transaction. Based on underwriting parameters, recommend the risk rating. + Prepare summary, present facts, and offers opinions concerning credit-worthiness. Assist in the structure of loan requests, where appropriate, to include suggestions on terms, conditions, controls, collateral, and guarantors. + Displays deep understanding of financial regulatory environment as it applies to underwriting most forms of commercial credit transactions. + Ensure credit policy compliance by verifying adherence of underwriting to the Commercial Credit Policy, and evaluating any risk associated with non-compliance Present analysis or address questions during credit request discussions or committee presentations. + Understand and adhere to the Company's risk and regulatory standards, policies and controls in accordance with the Company's Risk Appetite. Identify risk-related issues needing escalation to management. + Promote an environment that supports belonging and reflects the M&T Bank brand. + Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. + Complete other related duties as assigned. **Scope of Responsibilities:** Commercial Credit is responsible for the credit delivery of the Bank's commercial clients throughout the credit lifecycle. Credit assessments range from initial analyses of new relationships to the Bank to material modifications or restructurings of long-term relationships and ongoing monitoring through the life of the loan. Commercial Credit is also responsible for ensuring the accurate completion of the Bank's risk rating scorecards and financial statement spreads. The work completed in this capacity is used to make credit decisions for new or renewed or amended credit transactions. Position is an account coverage role and focuses on transaction execution and portfolio management. The position interacts with commercial banking relationship managers throughout the bank's footprint and industry verticals as well as other internal personnel on credit approvals. Ability to lead a transaction execution team in partnership with a Commercial Credit Analyst. Customer interaction is expected. Works independently with limited supervision. **Supervisory/Managerial Responsibilities:** Input into the development of and training of junior/newly hired Analysts. **Education and Experience Required:** Bachelor's degree in Accounting, Finance, Economics, or related field and 5 years' experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis. In lieu of a degree, a combined minimum 9 years' higher education and work experience, to include 5 years' experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis. Strong analytical skills with proficiency in financial modeling and analysis of credit metrics. Ability to calculate and interpret financial ratios, analyze date, and complete trend analysis. Emerging proficiency with understanding and negotiating legal documentation including structural analysis and the ability to structure transactions independently. Excellent verbal and written communication skills. Critical thinking and problem-solving abilities. Attention to detail and high level of accuracy. Ability to work independently and as a part of a team. Strong organizational and time management skills. Customer focused with strong interpersonal and relationship building skills. Proficiency in Microsoft Office. **Education and Experience Preferred:** Experience with Capital IQ, FactSet, and Bloomberg. \#LI-LA1 M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $97,869.52 - $163,115.87 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location. **Location** Clanton, Alabama, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

As a Workday Senior Analyst, you will be a lead consultant in implementing and configuring Workday solutions for our COE (Centers of Excellence) partners and managers and be a subject matter expert in one or more Workday specialties - HCM, Recruiting, Compensation, Time tracking, Payroll, Benefits, Talent/Performance. As a specialist in a team of analysts, you will manage relationships with the COE and understand their business so that you can shape and deliver Workday solutions that are viable and aligned to their needs. As a subject matter expert, you'll use your technical and professional expertise to mentor and guide team members, provide thought leadership, build innovative solutions, and continue to improve your knowledge with Workday. **Primary Responsibilities:** + Engage with HR Center of Excellence and other business clients to discuss application changes related to enterprise-wide initiatives, compliance/regulatory requirements, contractual system changes, or routine system maintenance (business as usual [BAU]), ensuring a comprehensive understanding of specifications for assigned applications. Participate in design discussions and ensure delivery of necessary functional specifications. + Attend meetings with various business lines to identify their requirements regarding user interface and provide feedback to clients to ensure technology applications meet both internal and external customer needs, supporting the products/services offered by the business lines. + Prepare detailed functional specifications for assigned projects, including test plans, test scripts, and the execution of test scripts. Conduct thorough research and analysis of complex data to ensure the accurate functional design of assigned projects. + Mentor less experienced staff in areas of application training, research analysis, and project methodology. Schedule and facilitate project team meetings, documenting and distributing minutes as necessary. Review business requirements with the technology team to ensure a clear understanding of project needs. + Serve as a subject matter expert, offering consultation and advice on how applications may be impacted by large initiatives, such as acquisitions or significant product/service changes. + Serve as Test Coordinator for large projects involving multiple modules of Workday. Participate in and document data mapping for system integration, conversion, and acquisition-related projects to understand potential impacts on applications due to regulatory requirements, system enhancements, or business initiatives. + Adhere to the Company's risk and regulatory standards, policies, and controls, identifying risk-related issues for escalation to management. + Promote a culture of engagement and belonging reflective of M&T Bank's brand, maintaining internal control standards and addressing audit points raised by internal or external regulators promptly. + Complete additional duties as assigned. **Education and Experience Required:** + Workday expertise with 4+ years' experience + Workday Pro certified in HCM or specialties like Compensation, Payroll, Time Tracking, Recruiting, Benefits, or Talent/Performance + Knowledge of Workday reporting, calculated fields, and custom validation + Experience configuring business processes end-to-end + Skilled in designing and testing configurations, validations, and specialty processes in Workday + Commitment to continuous improvement using agile methodology + Strong organizational skills + Experience in large organizations (10K+ employees) + Exceptional analytical skills to understand COE requirements and deliver efficient solutions in Workday + Proven ability in managing medium to large scale technical projects + Excellent customer focus, relationship building, and expectation management + Effective communicator able to explain technical concepts to non-technical audiences + Ability to meet tight deadlines and make decisions under pressure balancing COE needs and functionality + Collaborative team player supporting team goals **Education and Experience Preferred:** + Bachelor's degree + Product Lead in the Workday ecosystem + Experience configuring BIRT + Previous Workday implementation for an acquisition or optimization + Proven mentoring and leadership capabilities **Travel:** Must be able to travel to Buffalo periodically (4 or 5 times a year) Ideally, candidate will be in the M&T footprint / Eastern or Central time zone. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $82,783.41 - $137,972.36 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location. **Location** Clanton, Alabama, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

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 Regions' 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 Relationship Banker I is responsible for providing an exceptional customer experience, both on the cash line and on the phone, and contributing to improving the financial wellness of our customers. The purpose of this role is to create meaningful personal connections with customers while processing transactions, identify ways for Regions to meet customer needs, and assist in resolving end to end customer service inquiries. This role offers an exciting opportunity for candidates with prior teller, limited banking, or some retail sales experience who are interested in beginning a career with opportunities for growth, development, and upward mobility. Regions' mission is to make life better for our customers and communities. The successful candidate should be ambitious and adaptable with a desire to educate customers on the ability to bank when, where, and how they want. This requires an individual who has strong communication skills and the ability to provide personalized customer service. Primary Responsibilities Provides a consistent optimal customer experience on the cash line while handling customers' transactional needs, such as deposits, withdrawals, payments, and other typical teller transactions Answers customer inquiries regarding products and services and fulfills basic servicing requests, such as new / replacement cards, information changes, PIN reset requests, reordering checks, and basic problem resolution Develops relationships with customers, remaining well-informed about the customer's relationship with the bank Educates customers on standard consumer products and digital solutions such as mobile, online, and ATM offerings, all designed to make banking easier Assists branch and fellow team members with basic tasks to aid in customer problem resolution May conduct outbound phone calls using generated customer and prospect lead lists to educate customers on emerging technology and assist with meeting their financial needs Refers customers to an internal team of experts when more complex financial goals and needs are recognized Follows all bank processes and procedures and adheres to applicable laws and regulations, including completing duties delegated and assigned by the Branch Manager; as a member of the branch team, ensures sound banking practices, including managing, identifying and reporting operational risks Achieves branch targets and goals by identifying customer needs and providing appropriate guidance and perspective about Regions' solutions This position requires the tracking of time for hours worked in excess of 40 per week and is eligible for overtime under the Fair Labor Standards Act. This position is incentive eligible. Requirements High School Diploma or GED Ability to work Saturdays as needed Ability to handle cash and process cash transactions Ability to communicate in person, on the phone, and through electronic channels Ability to use a computer on a frequent basis, including typing and sustained attention to a monitor Ability to walk and stand for extended periods of time Ability to lift up to twenty (20) pounds Preferences One (1) year of banking, cash-handling, and/or customer service experience Skills and Competencies Ability to adhere to policies, procedures, and guidelines Ability to assist customers with digital banking offerings Ability to handle multiple priorities simultaneously Ability to oversee large sums of cash Strong customer focus and relationship-building 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: $35,299.47 USD Median: $40,230.00 USD Incentive Pay Plans: This role is eligible to participate in a formulaic incentive plan. Employees have the potential to earn incentives based on performance against defined metrics and goals. Benefits Information Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for benefits-eligible associates. 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. ************************************************************* Location DetailsOpelika Main Gateway DriveLocation:Opelika, Alabama Equal Opportunity Employer/including 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.

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 Regions' 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 Small Business Relationship Manager focuses on delivery of credit, products, and service solutions within a dedicated geographic area and primarily targets general-industry clients with revenues up to $20MM. **Primary Responsibilities** + Identifies, acquires, and grows new relationships with small business clients + Delivers knowledgeable advice and solutions to grow small business relationships and optimize revenue opportunities + Assesses the client's financial needs for the purpose of formulating a business plan and delivering an effective variety of financial products and services to help the client succeed financially + Provides small business relationship management with existing customers to fully understand their business, objectives, strategies, and challenges + Collaborates with branches and product partners + Plans and executes quality client/prospecting calls 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 and four (4) years closely related client-facing financial services experience, including a minimum of two (2) years growing and managing a dedicated book of small business clients across an assigned territory + High school diploma or GED and eight (8) years of closely related client-facing financial services experience, to include at least two (2) years growing and managing a dedicated book of small business clients across an assigned territory **Preferences** + Credit/Analyst experience + Customer service focus with experience handling complex transactions across multiple systems + Developed analytical and problem-solving skills + Developed negotiation abilities + Developed verbal and written communication skills + Extensive knowledge and understanding of bank lending programs, credit policies, and specialty products + Proficiency in Microsoft Office (Excel, Word, PowerPoint, Outlook, etc.) + Strong business acumen to provide financial services consultation to small business clients + Strong relationship-building skills **This position may be filled at a higher level depending on the candidate's qualifications and relevant experience** **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:_** $82,136.48 USD **_Median:_** $100,586.00 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. **Benefits Information** Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for benefits-eligible associates. (******************************************************************** 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. *********************************************** **Location Details** RSA Battle House Tower **Location:** Mobile, Alabama Equal Opportunity Employer/including 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.