Credit Examiner - Midvale - Hybrid Schedule

Zions Bancorporation is one of the nation’s 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 by American Banker as one of the “Best Banks to Work For” and 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.

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 Credit Examiner that will be responsible for planning and completing horizontal and targeted examinations and reviews of retail and small business loan portfolios as well as assessing the effectiveness of associated credit risk management systems and processes. This position requires experience employing risk-based examining techniques, including identifying, developing, and working through examination strategies. Candidates must have fundamental knowledge of credit administration processes along with an understanding of credit-related Federal Laws, Regulations, and regulatory guidance. This position requires the ability to organize, prioritize, and analyze data in order to identify existing or emerging systemic weaknesses or concerns. Candidates should possess.

This position will be located at our Zions Technology Center, Midvale, Utah office.    

We want to talk to you!

• Analyzing credit risk in a wide range of consumer and small business loan products, and conducting credit examinations of the corporation’s loans.
• Identifying credit and documentation risk, analyzing detailed financial data and quickly identifying evolving repayment risk patterns.
• Testing for compliance with company policies, procedures and banking regulations.
• Reviewing credit files for financial stability, cash flow, collateral accuracy, documentation and the borrowers to identify weaknesses.
• Spreading and analyzing financial statements for ability to pay.
• Determining appropriate risk grades.
• Writing examination and management reports with meaningful conclusions and making recommendations for corrective actions when necessary.
• Follow up to determine that approved recommendations in examination reports are implemented and effective.
• Leading or assisting other examiners as assigned.
• Limited travel required.
• Other duties as assigned.

Knowledge:

• Proficient knowledge of consumer and small business loan products, including: 1-4 family residential mortgages, secured and unsecured personal loans, scored small business and SBA loans, consumer and commercial small business credit card products, auditing procedures, credit analysis, accounting standards, statistical analysis, legal requirements and government regulations.
• Strong customer relations and communication skills, both written and verbal.
• Strong attention to detail.
• Ability to identify and resolve problems.
• Ability to provide credible challenge, make recommendations, and influence management based on sound conclusions.
• Experience working with Microsoft Office, Excel, Word and PowerPoint.

Qualifications:

• Requires a Bachelor's in Business, Finance or a related field 
• 6+ years’ experience with credit analysis of consumer and small business loan products
• Examination/audit or other directly related experience.
• A combination of education and experience may meet requirements.

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
  
  

The position is located at the Zions Technology Center which 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 proximity to Historic Gardner Village UTA TRAX station.
• At least 75% of the building is powered by on-site renewable solar energy.
• Access to outdoor recreation, parks, trails, shareable bikes and locker rooms.
• Large modern cafe with a healthy and diverse menu.
• Healthy indoor environment with ample natural light and fresh air.
• LEED-certified sustainable building that features include the use of low VOC-emitting construction materials.