Senior Credit Examiner - Midvale, Phoenix, Houston

Commercial Credit Examiner

Zions Bancorporation is one of the nation's premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker magazine as having a top banking team in its list of "The Most Powerful Women in Banking." Our customers consistently vote us as the best bank in our local markets. We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a "local" business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers.

With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity.

The Credit Examination Department is responsible for protecting the interest of shareholders of Zions Bancorporation by identifying credit activities that present significant business risks. We are seeking a detail-oriented Commercial Credit Examiner who will participate in commercial loan examination and desk review activities to evaluate credit-related products across all segments of the bank. The Credit Examiner will evaluate credit structures, underwriting analysis, cash flow sources and repayment capacity, financial statements, risk management practices, collateral, risk grading accuracy, and loan documentation.

If you want to increase your knowledge and expertise in all aspects of credit, you will find this position very appealing. In addition to traditional commercial and commercial real estate lending, you will be exposed to specialty industries and lending areas such as Agriculture, Automobile Flooring, Gaming, Oil & Gas, Vacation Ownership, Enterprise Value Lending, Large Corporate Syndications, Project Finance, etc. We offer extensive training to further build your credit skills.

If you want to work on a team where your input matters, you get to collaborate with a team of 15 – 20 other examiners with whom you will grow, where your work is truly valued and you make a real difference, then you will be in good company.

The Credit Examiner will:

• Lead and assist in examinations reviewing commercial, commercial real estate, and specialty lending products to identify potential credit risk problems, minimize loan losses, and ensure conformity with corporate credit policy.
• Analyze detailed financial data and spreads to quickly determine repayment capacity and ability to repay debt.
• Assess underwriting and monitoring processes, as well as accuracy of risk grades.
• Test compliance with company policies, procedures, and banking regulations.
• Review collateral and legal documentation to evaluate lien perfection and borrower compliance with loan covenants.
• Communicate conclusions to bank management through oral and written reports with recommendations for corrective actions, when necessary.
• Perform validation testing to assess whether recommendations have been successfully implemented.
• Minimal travel required, up to 5 days annually.

Requirements / Qualifications

• In-depth knowledge of credit risk, accounting, audit procedures, and legal and regulatory requirements.
• Extensive knowledge of commercial and commercial real estate loan products, including owner occupied real estate, investor real estate, construction, and commercial and industrial loans.
• Ability to identify credit risk issues and provide accurate conclusions and recommendations in a timely manner.
• Exhibit strong verbal and written communication skills.
• Experience working with Microsoft Office, Excel, Word, and PowerPoint.
• Bachelor's in Business, Finance or a related field.
• 8+ years of experience performing credit analysis or conducting audit assessments on commercial and commercial real estate lending products.
• Portfolio management experience with a large bank is beneficial.
• Combination of education and experience may meet requirements.

Location:

Zions Technology Center in Midvale, UT … Amegy Tower in Houston, TX … or, Biltmore Corporate Office in Phoenix, AZ.

Benefits:

• Medical, Dental and Vision Insurance - START DAY ONE!
• Life and Disability Insurance, Paid Parental Leave and Adoption Assistance
• Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts
• Paid Training, Paid Time Off (PTO) and 12 Paid Federal Holidays
• 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
• Mental health benefits including coaching and therapy sessions.
• Tuition Reimbursement for qualifying employees
• Employee Ambassador preferred banking products

Apply now if you have a passion for evaluating credit risk, enjoy collaborating with co-workers, and want to make a difference for the bank and communities we serve.