Credit Analyst (Banking) – Biltmore/Phoenix (AZ)
- 📁
- Credit Administration
- 💼
- National Bank of Arizona
- 📅
- 069944 Requisition #
At National Bank of Arizona, we’re a community of professionals with relationships at our core. We strive to promote an engaging environment with accessible leadership and on-going employee development. National Bank of Arizona was founded on the premise of building local relationships, we pride ourselves on providing our clients, shareholders and each other the best possible tools, resources and opportunities. Our workplace culture is based on inclusivity and collaboration, so we can give our customers as well as our employees the best possible environment to thrive. More than 40 years later, our approach hasn’t changed. At NBAZ, the possibilities are endless – come for the job, stay for a career.
NBAZ is looking for a Credit Analyst to join Arizona’s #1 Community Bank in our Biltmore Corporate Office in Phoenix (AZ).
Our Credit Analysts identify and evaluate financial, and other risks associated with our business customers.
Our analysts enable sound credit decisions by providing extensive knowledge of financial and spread analysis, credit, lending, underwriting processes, and principles.
Essential Functions:
- Conduct credit investigations, credit, and loan analysis, underwriting and other documentation review pertaining to loan analysis.
- Investigate all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches.
- Analyze financial conditions and trends, reviews, and reports non-compliance with loan covenants.
- Prepare summaries, presents facts, and offers opinions concerning creditworthiness and any risk items or issues.
- Spread customer financial statements. Complete on-going review of covenants and follow-up. Determine cash flow using appropriate financial analysis tools.
- Prepare cash flow analysis on personal tax returns.
- Provide frequent internal and external customer contact.
- May assist with projects as needed.
- Other duties as assigned.
Qualifications:
- Bachelors in finance, business, accounting or a related field and 1+ yrs credit/financial analysis, lending, underwriting or other directly related experience preferred.
- A combination of education and experience may meet job requirements.
- Basic working knowledge of financial and spread analysis, credit, lending and underwriting processes and principles.
- Some experience working with various types of loans.
- Basic working knowledge of credit risk, legal and regulatory requirements.
- Ability to work with lending officers and staff.
- Good client relationship and communication skills, both verbal and written.
- Ability to make sound decisions and recommendations regarding loans.
- Working knowledge of computer software programs including spreadsheets, word processing, etc. required.
Hours: Monday – Friday: 8:00am to 5:00pm.
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 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.
To review our Benefits Summary click here.
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 careers@zionsbancorp.com or 801/844-7618. 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.
Click here to view our EEO Statement.
Click here to view applicable Federal, State and/or local employment law posters.
If you have any technical issues while completing the application, please first try these troubleshooting steps. If you continue to have issues, please reach out to us at careers@zionsbancorp.com.