Senior Commercial Credit Examiner - Midvale, Phoenix, Houston

About the role

The Credit Examination Department at Zions Bancorporation is responsible for protecting the interests of shareholders by identifying credit activities that pose significant business risks. This department evaluates credit-related products across various segments of the bank, including commercial and commercial real estate lending, as well as specialty industries like Agriculture, Automobile Flooring, Gaming, Oil & Gas, Vacation Ownership, Enterprise Value Lending, Large Corporate Syndications, Project Finance, etc.

Responsibilities

• 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.

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.
• Bachelor’s 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.

Skills

Strong analytical skills, attention to detail, and the ability to communicate effectively are essential. Proficiency in Microsoft Office tools is required.

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 12 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