Senior Credit Examiner Midvale, Phoenix, Houston

Midvale, UT - USA

Monthly Salary: Not Disclosed

Posted on: Yesterday

Vacancies: 1 Vacancy

Job Summary

Zions Bancorporation is one of the nations premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized byAmerican Bankermagazine as having a top banking team in its list of The Most Powerful Women in Banking. Our customers consistently vote us as the best bank in our local markets. We value our employees and we are committed to search out recognize and create fulfilling opportunities for outstanding people within our organization rewarding them for their contributions to our success. We recognize that banking is a local business and that to be successful we must have very strong ties to the communities we serve and strong relationships with our customers.

With benefits starting on day one 12 bank holidays profit sharing and company-matched 401(k) contributions Zions is dedicated to being an employer of choice in our communities. At Zions the possibilities are endless. You bring the talent; we bring the opportunity.

TheSenior Credit Examination Departmentis responsible for protecting the interest of shareholders of Zions Bancorporation by identifying credit activities that present significant business are seeking a detail-oriented Commercial Sr. Credit Examiner who will participate in commercial loan examination and desk review activities to evaluate credit-related products across all segments of the bank. 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 aspects 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 15 20 other 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 Senior Credit Examiner will:

Lead and 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

In-depth knowledge of credit risk accounting audit procedures and legal and regulatory requirements.

Extensive 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.

Experience working with Microsoft Office Excel Word and PowerPoint.

Bachelors in Business Finance or a related field.

8 years of experience performing credit analysis or conducting audit assessments on commercial and commercial real estate lending products.

Portfolio management experience with a large bank is beneficial.

Combination of education and experience may meet requirements.

Location:

Zions Technology Center in Midvale UT Amegy Tower in Houston TX or 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 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

Required Experience:

Senior IC