Underwriter - Commercial Banking, Midvale UT

About the role

Zions Bank recognizes that its success comes from the dedication, experience, and talents of its diverse employee base. As we usher in the next generation of banking, we’re committed to being the premier employer of choice. We’re proud to have ranked among American Banker magazine’s “Best Banks to Work For” almost every year since 2013, as Best Employer from Utah’s Best of State, among the Best Places to Work in Idaho, and “among the Salt Lake Tribune’s Top Workplaces. Make the leap into a new era of banking. Let us transform your career. Zions Bank has an opportunity for a Commercial Underwriter to join the Equipment Finance Division, located in Midvale, Utah office.

Responsibilities

• Conduct credit investigations, credit and loan analysis, underwriting and other documentation information pertaining to loan analysis.
• Investigate all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches.
• Understand loan requests and business relationships to ensure the accuracy and completeness of financial information received for loan renewals.
• Analyze financial statements and related material and make recommendations for approvals of credits.
• Analyze financial conditions and trends, review and report non-compliance with loan covenants.
• Determine cash flow using appropriate tax analysis.
• Prepare summaries, present facts, and offer opinions concerning credit-worthiness and any risk items or issues.
• Provide credit information and references for customers, loan officers, or other agencies as requested.
• Ensure that all credit files include current finances.
• May assist with projects as needed and perform other duties as assigned.

Qualifications

• Requires a Bachelor's in finance, business, accounting or a related field and 4+ yrs of Commercial Banking credit/financial analysis, lending, underwriting or other directly related experience.
• A combination of education and experience may meet job requirements.
• Preference for Equipment Finance or Leasing backgrounds.
• Working knowledge of financial and spread analysis, credit, lending and underwriting processes and principles.
• Experience working with various types of loans.
• Working knowledge of credit risk, legal and regulatory requirements.
• Ability to work with lending officers and staff.
• Good client relationship and communication skills, both verbal and written.
• Ability to make sound decisions and recommendations regarding loans.
• Working knowledge of computer software programs including spreadsheets, word processing, etc. required.

Location

The Zions Technology Center – 7860 South Bingham Junction Blvd, Midvale, UT 84047. The Zions Technology Center is a 400,000-square-foot technology campus in Midvale, Utah. Located on the former Sharon Steel Mill superfund site, the sustainably built campus will be the company’s primary technology and operations center. This modern and environmentally friendly technology center will enable Zions to continue to compete for the best technology talent in the state while providing team members with an exceptional work environment with features such as: Electric vehicle charging stations and close