Commercial Credit Examiner - Phoenix, Midvale, UT, or Houston - Hybrid Schedule

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 as one of the “Best Banks to Work For” and 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.

We are currently seeking a Commercial Credit Examiner to join our Commercial Examination team. This position will be in either our Phoenix, AZ, Midvale, UT or Houston, TX office. Position offers a 3/2 hybrid work schedule.

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• Assist in examinations reviewing all types of commercial, energy, and commercial real estate loans for the purposes of identifying potential credit risk problems, minimizing loan losses, and ensuring conformity with corporate policy.
• Identify credit and documentation risk, analyze detailed financial data, and quickly identify evolving repayment risk patterns.
• Assess the credit risk process, accuracy of risk grades as well as clarity, justification, and accuracy of lending decisions.
• Communicate conclusions to management through oral and written reports with appropriate recommendations for corrective actions, when necessary.
• Follow up to determine that approved recommendations are instituted and complied with.
• Tests for compliance with company policies, procedures, and banking regulations.
• Review credit files to determine financial sustainability, collateral and documentation accuracy, and proper monitoring of borrower requirements.
• Analyze financial statements and spreads to determine the ability to repay debt.
• Perform monthly or quarterly assessments of losses, risk grade changes, loan field approvals, and risk grade overrides.
• Minimal travel required, up to 10 days annually.
• Other duties as assigned.

Job Qualifications

Knowledge:

• Proficient knowledge of credit risk, accounting, audit procedures, and legal and regulatory requirements.
• Working knowledge of commercial and commercial real estate loan products, including: owner occupied real estate, investor real estate, construction, and commercial & industrial loans.
• Exhibit strong communication skills verbally and through written documents.
• Demonstrate ingenuity and creativity and effective decision making and problem-solving capabilities.
• Ability to identify credit risk issues and provide accurate conclusions and recommendations.
• Experience working with Microsoft Office, Excel, Word, and PowerPoint.

Qualifications:

• Requires a bachelor’s degree in Business, Finance or a related field.
• 2-6+ years’ experience performing credit analysis on lending products (commercial, commercial real estate, and energy) and conducting audit assessments or related experience is required.
• Portfolio management experience with a large bank is also beneficial.
• Combination of education and experience may meet requirements.

This position is eligible to earn a base salary in the range of Level I: $70,000 – $80,000 Level II: $80,000 – $95,000 Level III: $95,000 - $125,000 annually depending on job-related factors such as level of experience and location.