This job is currently 3/2 work from home hybrid*
Did you know that Zions Bancorporation is one of the nation’s premier financial services companies with total assets exceeding $70 billion? With local management teams at the helm in 11 western states, Zions is dedicated to making a difference in their local communities. At Zions, we haven’t forgotten who keeps us in business, meaning we’re committed to the success of our customers, and our employees. Here, the possibilities are endless – come for a job, stay for a career.
We are currently seeking a Sr. Credit Examiner to join our Commercial Examination team. This Sr. Credit Examiner is responsible for planning and conducting commercial examinations to evaluate credit-related activities across and within divisions of the bank. This position can be located in San Diego, Houston, Phoenix, or Midvale, Utah.
We want to talk to you!
- Lead and assist in examinations reviewing all types of commercial, energy, and commercial real estate loans for the purposes of identifying potential credit risk problems, minimizing loan losses, and ensuring conformity with corporate policy.
- Identify credit and documentation risk, examine detailed financial data, and quickly identify evolving repayment risk patterns.
- Assess the credit risk process, accuracy of risk grades as well as clarity, justification, and accuracy of lending decisions.
- Communicate conclusions to management through oral and written examination reports with appropriate recommendations for corrective actions, when necessary.
- Follow up to review that approved recommendations are instituted and complied with.
- Tests for compliance with company policies, procedures, and banking regulations.
- Review credit files for financial sustainability, collateral and documentation accuracy, and proper monitoring of borrower requirements.
- Examine financial statements and spreads to review the ability to repay debt.
- Perform monthly or quarterly assessments of losses, risk grade changes, loan field approvals, and risk grade overrides.
- Minimal travel required, up to 10 days annually.
- Other duties as assigned.
Job Qualifications
Knowledge:
- An 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 & industrial loans.
- Exhibit strong communication skills verbally and through written documents.
- Demonstrate ingenuity and creativity and problem-solving capabilities.
- Ability to identify credit risk issues and provide accurate conclusions and recommendations.
- Experience working with Microsoft Office, Excel, Word, and PowerPoint.
Qualifications:
- Requires a bachelor’s degree in Business, Finance or a related field. MBA, RMA CRC, or another accreditation is preferred.
- 8 + years’ experience performing credit analysis on lending products (commercial, commercial real estate, and energy) and conducting audit assessments or related experience is required.
- Portfolio management experience with a large bank is also beneficial.
- Bank regulator (commissioned) experience is preferred.
- Combination of education and experience may meet requirements.
*WFH hybrid subject to change in the future
