Senior Commercial Underwriter

Nevada State Bank, a division of Zions Bancorporation, N.A., was founded on Dec. 9, 1959 by 12 businessmen full of Nevada’s pioneering spirit. As a full-service bank, we offer a complete range of consumer, private, and business banking services. Our colleagues regularly volunteer in their communities and have been dedicated to helping make Nevada a better place to live for more than 60 years. By embracing the bank’s Core Values of extraordinary service, adaptability, teamwork, communication, development, accountability, community, and respect—we have built a culture of service and engagement. NSB has a commitment to career development through tuition reimbursement and continuous learning opportunities, in addition to other competitive benefit offerings. We offer medical benefits on day one, 401k matching, and paid holidays. With a strong belief in diversity, equity, and inclusion, NSB offers several colleague-led diversity forums with the intent to ensure representation and cultural sharing among our colleagues. At Nevada State Bank, we truly believe that it matters WHO you work with.

We are now accepting applications for a Senior Commercial Underwriter (Portfolio Risk Officer) to join our underwriting team. This role will focus on managing and servicing loan portfolios, spreading and analyzing financial statements, and identifying industry risk. Position is fully in office and located at our corporate building in Las Vegas, NV.

Essential Functions:

• Manages the commercial loan portfolio with coordination from the Relationship Manager (RM).

• Conducts initial interview with the RM and is introduced to client.

• Follow up with borrower for required financial information and explanation.

• Through discussion with the client and minimal RM assistance, obtain sufficient understanding of borrower's financial position, managerial strategy, and expected loan performance to recommend a loan structure.

• Document understanding of the lending relationship in written form primarily in loan credit presentations, but also in problem loan reports, semi-annual credit reviews, MDM loan grading, and file comments.

• Will assist and may lead the presentation of the loan at credit committee.

• Incorporation of financial analysis completed by junior staff into written documentation.

• Obtain satisfactory CED and Regulatory examination findings.

• Capable of managing the loan portfolio with limited assistance from the RM.

• Other duties as needed.

Qualifications:

• Typically requires Bachelor's and 6+ years experience with commercial lending, lending policies and procedures, or other directly related experience. 10+ years' of experience in commercial lending, with a focus on C&I deals is preferred. A combination of education and experience may meet requirements.

• Extensive knowledge of lending policies and procedures, loan structuring, and financial analysis.

• Must have knowledge of job-related software such as Moddys Risk Analyst, as well as other common office software and applications.

• Must have solid written and verbal communication skills, including technical writing and ability to communicate with external clients and internal employees.

• Must have excellent analytical abilities and decision making skills.

• Strong knowledge of commercial lending products, including C&I, CRE (owner occupied and investor), construction lending, and participated/syndicated loans.

• Experience with more complex and/or challenging loans is preferred.

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 13 Paid Holidays, (includes Nevada Day & Family Day)

• 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

Pay range (depending on experience): $120,000 to $145,000/ Annual Base Salary

Req ID: 070398

Equal Opportunity Employer

It is the policy of this corporation to provide 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, veteran status, sexual orientation, gender identity and expression or any other characteristic protected by applicable law. This policy is established and administered in accordance with all applicable federal, state, and local laws.

If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for employment, please contact us at View phone number on click.appcast.io, Mon.-Fri. between 9 a.m. - 5 p.m. MST.

Click here to view applicable Federal, State and/or local employment law posters.