Senior Credit Administrator - Commercial Real Estate - San Diego

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 magazine 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.

Credit Administration is responsible for the overall credit quality of the Bank's loan portfolio. The Department decisions loan transactions, maintains credit policies and procedures, monitors portfolio performance, manages the problem loan portfolio, and ensures sound credit practices. Credit Administration is also responsible for certain management and administrative functions including certain regulatory and credit support functions. The West Region of Credit Risk Management directly supports the California Bank & Trust Division of Zions Bancorporation, N.A.

Responsibilities:

• Oversee Credit Administration functions for various types of complex lending credit transactions including commercial real estate, commercial and industrial, residential construction, and affordable housing.
• Assists with analyzing, structuring, prescreening and approvals.
• Identifies deteriorating trends in credit quality and suggests downgrades as necessary.
• Monitors specifically identified credits for concerns or problems as assigned.
• May train and mentor lending staff.
• May attend and participate in credit committee meetings.
• Other duties as assigned.

Qualifications:

• Requires a Bachelor’s degree in finance, accounting, or business
• 10+ years of directly related financial services experience with strong institutional credit expertise, including structuring and underwriting a wide range of complex credit transactions across Commercial Real Estate (CRE), Commercial & Industrial (C&I), Small Business, Consumer, or other specialty lending areas.
• Experience includes underwriting large, complex transactions as well as managing loan workouts and problem loans.
• An advanced degree is preferred, and a combination of education and experience may satisfy requirements.
• Extensive knowledge of structuring and underwriting a wide variety of complex credit transactions across Commercial Real Estate (CRE), Commercial & Industrial (C&I), Small Business, Consumer, or specialty lending, including large and/or highly complex portfolios.
• Strong working knowledge of loan workouts and problem loan management, supported by excellent leadership, management, and project management capabilities.
• Exceptional communication skills, both verbal and written, with the ability to work effectively at all levels of the organization.
• Demonstrated ability to identify, analyze, summarize, and draw conclusions on diverse issues while providing sound, relevant recommendations.
• Solid business judgment, change management capability, process improvement experience, and people development skills.
• Consistently demonstrates a strong work ethic, commitment to responsibilities, and the ability to communicate candidly and tactfully with management.
• May require occasional travel to affiliate locations for direct interaction with senior management, credit teams, line units, loan administration, and workout officers

Pay Range: 

• $175,000 to $275,000 (Based upon relatable skills/experience and location)

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