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Commercial Small Business Underwriter - (Hybrid Work Schedule)

Credit Administration
Enterprise Services
060380 Requisition #

Did you know that Zions Bancorporation is one of the nation’s premier financial services companies with total assets exceeding $70 billion? With local management teams at the helm in 11 western states, Zions is dedicated to making a difference in their local communities. At Zions, we haven’t forgotten who keeps us in business, meaning we’re committed to the success of our customers, and our employees. Here, the possibilities are endless – come for a job, stay for a career. 

This position is located at our new Technology Center in Midvale, UT. This position is a hybrid work schedule.    

The ideal candidate for the Commercial Small Business Underwriter position will have the skills and experience necessary to:

  • Responsible for compilation of data as it relates to preparation of credit packages (or pre-screens) incorporating spreads, cash flow, value of related collateral, appraisals, audits and other data.
  • Interpret outcome of analysis and prepares summary, recommendations and may make joint presentations with Relationship Manager (RM) to Credit Approvers on renewals and new loans submitted.
  • Evaluate, analyze and form opinions for the approving or denying of commercial, commercial RE, and/or business banking loan applications.
  • Spread financial statements, identify credit strengths and weaknesses, provide detailed and documented analysis of credit worthiness.
  • Ensure credit requests are processed in accordance with bank policies, banking regulations and laws.
  • Identify risk and mitigating factors related to conducting a thorough credit analysis for approval.
  • Respond to internal and external customer inquiries.
  • Recommend exceptions based on findings.
  • May work closely with Relationship Manager on the more complex aspects of loan structuring, including long term, fixed vs. variable rates, pre-payment penalty and other variables.
  • May have authority to approve loans beyond the organization’s guidelines.
  • Senior most level may function as a lead and be responsible for second level approvals.
  • Other duties as assigned.


  • Requires a Bachelor's in Finance, Business, Accounting or a related field and 1+ year commercial, commercial real estate credit or small business underwriting, spread analysis, lending, underwriting concepts, practices and procedures or other directly related experience.
  • A combination of education and experience may meet qualifications.
  • Basic knowledge of commercial, commercial RE and/or small business credit underwriting, spread analysis, lending, underwriting concepts, practices and procedures.
  • Basic knowledge of C&I and CRE loan requirements with the ability to identify risk and mitigating factors related to conducting a thorough credit analysis for approval. Knowledge of balance sheets, income and cash flow statements.
  • Good understanding of commercial and/or small business lending policies and procedures and general banking laws and regulations.
  • Ability to analysis and research financial statements, business plans, credit reports, debt ratios and loan to value information.
  • Possess good judgment, ability to make sound decisions.
  • Ability to accept responsibility and handle confidential information.
  • Must have good customer relations and communication skills.
  • Must be a self-starter, dependable, accurate in completing responsibilities with strong attention to detail and organizational skills.
  • Working knowledge of a various related software applications, including spreadsheets, word processing, etc.

To review our Benefits Summary click here.

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to the instructions below.

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 careers@zionsbancorp.com or 801/844-7628.  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.

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.


Click here to view our EEO Statement.

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

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National Bank of Arizona a division of Zions Bancorporation, N.A. Member FDIC