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 Senior Commercial Credit Risk Review Officer who will participate and lead in commercial loan examinations and ongoing monitoring activities to evaluate credit-related activities across and within divisions of the bank. The Senior Credit Risk Review Officer 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 expand your knowledge and expertise in all facets of credit, you will find this position very appealing. In 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.
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 Senior Commercial Credit Risk Review Officer will:
- Assist in and lead 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- Advanced knowledge of credit risk, accounting, audit procedures, and legal and regulatory requirements.
- Advanced 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.
- Extensive knowledge 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 regional or large bank is beneficial.
- Regulatory experience (OCC, FDIC or State Regulator) 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, 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
