Affordable Housing Credit Analyst - Denver, CO

Affordable Housing Credit Analyst - Denver, CO Zions Bancorporation, N.A. (NYSE: ZION) is a premier financial services company with ~100B in assets operating through eight brands in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. With a leading market share in small and middle‑market banking, the Bank’s 500+ client managers and 200+ wealth advisors maintain vigorous client development strategies that feed into Zions Capital Markets. California Bank & Trust, an affiliate of Zions Bancorporation, complements this strength by delivering relationship‑centered banking in California while supporting clients across the broader Zions Bancorporation footprint, including Colorado, and leveraging the firm’s multi‑state capabilities, resources, and award‑winning client satisfaction. This role will report into the California Bank & Trust Affiliate. We are looking for an Affordable Housing Credit Analyst to provide top notch customer service to our clients and customers in Denver, CO . If you are passionate about being part of a community, being a team player, and helping others reach their financial goals, then we are interested in speaking with you! Essential Functions Conducts credit investigations and analyzes credit information pertaining to loans. Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches. Analyzes financial statements and related material. Analyzes financial conditions and trends. Reviews and reports non‑compliance with loan covenants. Determines cash flow using appropriate tax analysis. Prepares summaries, presents facts, and offers opinions concerning creditworthiness. Provides credit information and references for customers, loan officers, or other agencies as requested. May provide rates and loan information to clients. Ensures that all credit files include proper documentation including current financial statements, agency reports, etc. Maintains control over current accounts, noting payment progress, watching for any developing problems, and keeping loan officers informed. Writes credit memorandums. Accompanies lenders on business calls. Conducts industry research. Assists with special projects as assigned. Qualifications Requires a Bachelor's and 2+ years of credit analysis experience, lending/credit procedures and processes or other directly related experience. A combination of education and experience may meet requirements. Working knowledge of financial and spread analysis and credit/lending procedures for moderately complex loans. Full use and application of commercial credit principles, theories, concepts, and techniques. Ability to work with lending officers and staff. Solid communication skills, both verbal and written. Ability to make sound decisions regarding loans. Solid PC skills are required. Compensation This position is eligible to earn an hourly wage in the range of $37.98hr - $43.00hr , depending on job‑related factors such as experience level and location. This position is in‑office and does not offer a remote or hybrid schedule. Medical, Dental and Vision Insurance – START DAY ONE! Life and Disability Insurance, Paid Paternal Leave, and Adoption Assistance Health Savings (HSA), Flexible Spending (FSA), and dependent care accounts Paid Training, Paid Time Off (PTO), and 11 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 This position will be open until filled. All candidates, including those with criminal histories, will be considered for employment. However, a background check adjudicated consistently with the FDIC Section 19 regulation will be completed on any candidate who accepts a conditional job offer from the Company. Because the Company is a financial institution, the FDIC guidelines apply to all positions within the company and as such any and all job duties have a direct relationship to a candidate’s criminal history and that criminal history would need to align with the FDIC Section 19 regulations. Zions Bancorporation, National Association prohibits illegal discrimination and reaffirms its policy of providing Equal Employment Opportunity (EEO), by extending equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, protected veteran status, military service, sexual orientation, gender identity, genetic information or any other characteristic protected by applicable federal, state or local law. It is the Company’s policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, Zions will safeguard the fair and equitable treatment of protected veteran spouses and family members with regard to all employment actions and prohibit harassment of applicants and employees because of their relationship or association with a protected veteran. Applicants Requesting Accommodations: If you are a qualified individual with a disability or a disabled veteran, you may request a reasonable accommodation if you are unable or limited in your ability to use or access our career site. You can request reasonable accommodations by contacting us at View email address on click.appcast.io or View phone number on click.appcast.io. Please email your resume/cover letter, indicate what position you are interested in and include "Accommodation needed" in the subject line to ensure your information is routed to the appropriate contact. #J-18808-Ljbffr California Bank & Trust