St George Associate Credit Analyst - Banker Development Program

Associate Credit Analyst – Banker Development Program
January 2025 and June 2025 Start Dates

Zions Bank’s Internship and Banker Development Program positions are 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.

Company Description: 
Zions Bank is more than a bank. We are a part of your community, your next-door neighbor, with more than 150 years of history behind every transaction and community investment. We provide financial resources, wealth management solutions, mortgage services, and more throughout Utah, Idaho, and eight additional Western states. 

Zions First National Bank is one of the oldest financial institutions in the Intermountain West. We bring value to individuals, small-to middle-market businesses, nonprofits, corporations and institutions. Zions Bank provides a wide range of traditional banking and innovative technology services. 

Banker Development Program Description:

The Banker Development Program (BDP) is an Entry Level Position for recent college graduates and early professionals looking to grow their career in the finance industry,

The Banker Development Program at Zions Bank is a 12–18-month training program designed to develop the future leaders of the banking industry into well-rounded professionals with strong analytical and relationship management skills. The program provides challenging training and career guidance that prepare participants for various leadership opportunities at Zions Bank.

There are two phases of the Banker Development Program: 1) Training Phase, and 2) Rotational Phase. 

Training Phase
The training phase uses a classroom-based approach to facilitate learning. Participants receive professional development and extensive credit training on topics such as financial accounting and analysis, cash flow analysis, credit analysis, and risk management. 

In addition to the classroom training, Banker Development Program Analysts participate in:
•    Case studies and discussion sessions to review concepts introduced in self-study materials
•    Training to perform credit underwriting according to bank policy
•    Bank compliance and regulatory training courses
•    Introductions to Zions Bancorporation executives and Zions Bank Business-Line executives

Rotational Phase
The primary objective of the rotational phase is to gain on-the-job training through a structured rotation system. Banker Development Program Analysts are assigned to specific lending groups for a series of 3-5 rotations that last approximately 10 weeks each as well 2 rotations through our Loan Operations and Loan Servicing teams. During these rotations, the credit analysts gain in-depth exposure and perform all analytical work required for their assigned business line.

Potential business line rotation opportunities are listed below:  
•    Commercial Lending
•    Corporate Lending
•    Real Estate Banking Group
•    Private Banking
•    Community Banking

Participants who successfully complete the Banker Development Program can anticipate an exciting career path. Upon completion of the training and rotational phases, participants will be considered for promotion into officer roles within the bank’s lending or credit business lines. Business line rotation assignments vary depending on region, availability, and analysts’ goals and skill sets. 

The Banker Development Program offers: 

•    Exposure to the extensive career opportunities at Zions Bank
•    A solid foundation in the basics of banking and credit
•    A defined career path that begins with classroom training as a credit analyst and evolves into an underwriting/officer role in one of the bank’s lending and credit divisions.
•    One-on-one working relationships with BDP alumni and business line mentors who help you navigate learning, decision making, and career development opportunities.
•    Opportunity to apply finance and accounting skills to credit and business risk analysis
•    Increased knowledge and responsibilities relating to business development, credit and risk, lending, relationship and portfolio management, and sales acumen
•    Competitive salary and benefits 

We are currently hiring for our next Banker Development Program classes. Students who graduate in December 2024 are eligible for our class starting in January 2025, and students who graduate in May 2025 are eligible for our class starting in June 2025. 

Minimum Qualifications: 

•    Bachelor’s degree in Business, Finance, Accounting, Economics, or related subject 
•    Minimum overall GPA of 3.0 (Must attach your unofficial transcript in application and include GPA in resume)
•    Completed college level coursework in Accounting 
•    Excellent communication, presentation, and interpersonal skills 
•    Detail oriented, organized, analytical, and proven problem-solving abilities 
•    Leadership skills and community involvement 
•    Working knowledge of Microsoft Excel is preferred
•    Internship or prior work experience is preferred