Deposit Product Analyst - Midvale

Deposit Product Analyst

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.

Zions Bancorporation is seeking a collaborative, analytical, and self-motivated Deposit Product Analyst to join our Retail Banking Data Analytics group. Located at our new, state-of-the-art campus in Midvale, UT, you will serve as a key analytical engine supporting our Retail Deposits team.

In this role, you will conduct market and portfolio analytics, help design and modify deposit products, and maintain crucial monthly reporting. Beyond supporting deposits, you will have the opportunity to collaborate across Retail Banking, driving ad-hoc analyses and financial modeling to optimize profitability across various product lines.

Responsibilities

• Market & Product Intelligence: Identify, compile, and analyze competitor deposit products and market segments to help formulate competitive product offerings and high-impact marketing strategies.
• Performance Reporting & Forecasting: Prepare short- and long-term financial planning reports, track key performance indicators (KPIs), and maintain monthly dashboards to evaluate portfolio health.
• Profitability Optimization: Build and analyze complex financial models, cost-benefit analyses, and economic valuations to proactively deliver actionable recommendations to the retail product team and leadership.
• Product Lifecycle Documentation: Create and manage clear, comprehensive documentation detailing specific features, operational requirements, and regulatory compliance parameters for new and existing deposit products.
• Multi-Disciplinary Analysis: Conduct deep-dive investigations across cost structures, customer penetration, product margins, valuation, budgeting, and financial reconciliation utilizing advanced analytical tools.
• Business Planning Collaboration: Actively participate in the broader financial planning cycles and deliver ad-hoc analyses to support executive decision-making.

Qualifications

• Education: Bachelor's degree in Business, Finance, Economics, Statistics, Mathematics, or a highly quantitative field. (An equivalent combination of education and directly related experience may be considered.)
• Experience: 4+ years of professional experience in product, data, or financial analysis, financial modeling, or a directly related field.
• Industry Knowledge: Prior experience with banking or retail financial products is strongly preferred.

Technical Skills

• Core Systems: Advanced proficiency in Microsoft Office (Excel, Word, PowerPoint, Access).
• Modern Analytics (Highly Preferred): Advanced technical skills using SQL, Databricks, Power BI, and/or Python to query databases, build data pipelines, and automate reporting dashboards.
• Financial Modeling: Proven ability or strong willingness to develop advanced financial models.

Professional Capabilities

• Communication: Exceptional ability to synthesize complex financial analyses into clear, concise written reports and presentations for diverse audiences.
• Agility & Drive: Self-motivated, comfortable working independently in a fast-paced, highly deadline-oriented environment with shifting priorities. Willing to "upskill" and actively learn new programs and tools.
• Relationship Building: Strong interpersonal skills with a natural ability to collaborate effectively across diverse cross-functional teams.

Visa Sponsorship: This Deposit Product Analyst position is currently not eligible for employment visa sponsorship (e.g., H-1B visa). This includes, for example, situations where a candidate may have temporary work authorization while enrolled in school or upon graduation (e.g., CPT, OPT) but would need H-1B visa sponsorship within a few years of employment in order to maintain employment eligibility.

Location:

This position is fully in office (5 days a week) at the Zions Technology Center - 7860 South Bingham Junction Blvd, Midvale, UT 84047

The Zions Technology Center is a 400,000-square-foot technology campus in Midvale, Utah. Located on the former Sharon Steel Mill superfund site, the sustainably built campus is the company's primary technology and operations center. This modern and environmentally friendly technology center enables Zions to compete for the best technology talent in the state while providing team members with an exceptional work environment with features such as:

• Electric vehicle charging stations and close proximity to Historic Gardner Village UTA TRAX station.
• At least 75% of the building is powered by on-site renewable solar energy.
• Access to outdoor recreation, parks, trails, shareable bikes and locker rooms.
• Large modern cafe with a healthy and diverse menu.
• Healthy indoor environment with ample natural light and fresh air.
• LEED-certified sustainable building that features include the use of low VOC-emitting construction materials.