Sr State Credit Administrator - Salt Lake City

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 Intermountain Region of Credit Risk Management directly supports the Zions First National Bank and Vectra Bank of Colorado Divisions of Zions Bancorporation, N.A.

Summary:

• Leads a team of Credit Administrators in reviewing, structuring, and decisioning large or complex commercial lending relationships.

• Ensures accuracy, quality, and consistency of risk grading, credit requests, analyses and presentations, loan documentation, and portfolio management.

• Functions as a consultative resource and oversight function as well as promoting continuous improvement to credit management across the enterprise.

• Informs the Regional Credit Executive and Chief Credit Officer of the quality of assigned portfolios, credit requests, processes, and risk management.

• Monitors the results of QA reviews, audit, CED and regulatory examinations and implements corrective action as needed.

• Analyzes business unit, division, and region performance, assessing product risk and return and promoting cost effective processes and management practices.

• Identifies emerging portfolio risk and implements timely risk communication and escalation.

• Fosters best practices, identifies areas requiring additional support, assist in obtaining necessary support resources.

• Ensures all work is in compliance with applicable laws, regulations, policies, procedures, and guidelines.

• Responsible for hiring, developing, evaluating, and managing staff. 

• Completes other duties as assigned.

Qualifications:

• Requires a Bachelor's degree in finance or accounting   

• 10+ years of directly related financial services experience with strong credit institutional experience.     

• Working knowledge of loan workout and problem loan management.

• Advanced degree preferred.

• A combination of education and experience may meet requirements.

• Expert knowledge of all areas of structuring and underwriting a wide variety of complex credit transactions.

• Ability to identify, analyze, summarize, derive conclusions, and provide relevant recommendations on a variety of issues.

• Strong leadership and management skills. 

• Exceptional oral and written communication skills with all levels of the organization.

• Strong proficiency in MS Office products. 

• Sound business judgment, change management, and process improvement skills and people development. 

• Strong work ethic, commitment to responsibilities, and demonstrated ability to speak candidly to management in a tactful manner.

• Occasional travel to various division locations may be required.

   

Located in the heart of downtown Salt Lake City, the Zions Bank Building serves as the headquarters of both Zions Bancorporation and Zions Bank. The building sits adjacent to City Creek Center, a world-class shopping and dining destination with more than 100 stores and restaurants. The Zions Bank Building stands tall among Salt Lake City’s central business district, providing hundreds of team members with an exceptional work environment and features such as:

• Easy access to the City Creek UTA TRAX station, as well as various electric vehicle charging stations in most City Creek area garages;

• An employee-only fitness center and bike storage;

• An employee lounge, kitchen, micro market, game tables, couches and TVs;

• Private mothers’ rooms and lockers; and

• Access to downtown shopping, dining, arts and entertainment..