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Credit Analyst - Commercial Lending (Phoenix, AZ)

Zions Bancorp/ZMSC Job Titles
National Bank of Arizona
051766 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.  We’re dedicated to our clients, shareholders and to each other.  At NBAZ, the possibilities are endless – come for the job, stay for a career.

NB|AZ is looking for a Credit Analyst to join Arizona’s #1 Community Bank.

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.  

Ideal candidates will have the skills and experience necessary to:

  • 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 tax analysis.
  • Prepare tax analysis on personal tax returns.
  • May perform accounts receivable analysis.
  • May conduct some underwriting activities.
  • Provide frequent internal and external customer contact.
  • May assist with projects as needed. Other duties as assigned.

Requires a Bachelor’s in finance, business, accounting or a related field and 2+ years credit/financial analysis, lending, underwriting or other directly related experience is highly preferred.  A combination of education and experience may meet job requirements.

Local candidates strongly preferred. This position sits at our Biltmore Corporate Center.  Remote option is temporary.

  • Extensive experience working with various types of commercial loans.
  • Extensive knowledge of credit risk, legal and regulatory requirements.
  • Strong client relationship and communication skills, both verbal and written. The ability to work with lending officers and staff.  
  • Ability to make sound decisions and recommendations regarding loans.  
  • Working knowledge of computer software programs including spreadsheets, word processing, etc. required


To review our Benefits Summary click here.


Zions Bancorporation and its affiliates and divisions (“Zions”) is an equal opportunity employer which prohibits all forms of discrimination and harassment. Zions is committed to the principle of equal employment opportunity for all employees and employment candidates and to providing a work environment free of discrimination and harassment. All employment decisions at Zions are based on business needs, job requirements and individual qualifications, without regard to race, color, religion, ethnicity, sex, sexual orientation, gender identification, age, national origin, pregnancy, veteran status, family or parental status, or any other status protected by the laws or regulations in the locations where we operate. Zions will not tolerate discrimination or harassment based on any of these characteristics. Zions encourages applicants of all ages.


It is Zions’ 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 801/844-7628.  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.


Click here to view our EEO Statement.


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

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