Commercial Credit Examiner Midvale, Houston or Phoenix (In Office)
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Job Location:
Midvale, UT - USA
Monthly Salary:
Not Disclosed
Posted on:
26-10-2025
Vacancies:
1 Vacancy
Job Summary
Zions Bancorporation N.A. is one of the nations premier financial services companies consisting of a collection of great banks with combined total assets exceeding $90 billion. Zions operates banking divisions under local management teams and community identities in 11 states.
The Credit Examination Department is responsible for protecting the interest of shareholders of Zions Bancorporation by identifying credit activities that present significant business risks. We are seeking a detail-oriented Commercial Credit Examiner who will participate in commercial loan examinations and ongoing monitoring activities to evaluate credit-related activities across and within divisions of the bank. The Credit Examiner will evaluate credit structures underwriting analysis cash flow sources and repayment capacity financial statements risk management practices collateral risk grading accuracy and loan documentation.
If you want to increase your knowledge and expertise in all facets of credit you will find this position very addition to traditional commercial and commercial real estate lending you will be exposed to specialty industries and lending areas such as Agriculture Automobile Flooring Gaming Oil & Gas Vacation Ownership Enterprise Value Lending Large Corporate Syndications Project Finance etc. We offer extensive training to further build your credit skills.
If you want to work on a team where your input matters you get to collaborate with a team of 10 15 other commercial examiners with whom you will grow where your work is truly valued and you make a real difference then you will be in good company.
The Credit Examiner will:
Assist in examinations reviewing commercial commercial real estate and specialty lending products to identify potential credit risk problems minimize loan losses and ensure conformity with corporate credit policy.
Analyze detailed financial data and spreads to quickly determine repayment capacity and ability to repay debt.
Assess underwriting and monitoring processes as well as accuracy of risk grades.
Test compliance with company policies procedures and banking regulations.
Review collateral and legal documentation to evaluate lien perfection and borrower compliance with loan covenants.
Communicate conclusions to bank management through oral and written reports with recommendations for corrective actions when necessary.
Perform validation testing to assess whether recommendations have been successfully implemented.
Minimal travel required up to 5 days annually.
Requirements / Qualifications
Proficient knowledge of credit risk accounting audit procedures and legal and regulatory requirements.
Proficient knowledge of commercial and commercial real estate loan products including owner occupied real estate investor real estate construction and commercial and industrial loans.
Ability to identify credit risk issues and provide accurate conclusions and recommendations in a timely manner.
Exhibit strong verbal and written communication skills.
Working knowledge with Microsoft Office Excel Word and PowerPoint.
Bachelors in Business Finance or a related field
4 years of experience performing credit analysis or conducting audit assessments on commercial and commercial real estate lending products.
Portfolio management experience with a regional or large bank is beneficial.
Location:
This position is full time in the office at the Zions Technology Center in Midvale UT Amegy Tower in Houston TX Biltmore Corporate Office in Phoenix AZ.
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 20 days of 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
Apply now if you have a passion for evaluating credit risk enjoy collaborating with co-workers and want to make a difference for the bank and communities we serve.
Key Skills
- Auditing
- GAAP
- Military Experience
- Phlebotomy
- Conflict Management
- Vital Signs Experience
- Computer Forensics
- Research Experience
- Securities Law
- Operating Systems
- PTSD Care
- RMF
About Company
Zions Bancorporation recognizes that its success comes from the dedication, experience, and talents of its diverse employee base. As we usher in the.....
