Affordable Housing Credit Analyst - MLO Denver

Position: Affordable Housing Credit Analyst - MLO Denver, CO
Zions Bancorporation

Zions Bancorporation, N.A. (NYSE: ZION) is a premier financial services company with ~$100B in assets operating through eight brands in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. With a leading market share in small and middle-market banking, the Bank's 500+ client managers and 200+ wealth advisors maintain vigorous client development strategies that feed into Zions Capital Markets.

California Bank & Trust, an affiliate of Zions Bancorporation, complements this strength by delivering relationship-centered banking in California while supporting clients across the broader Zions Bancorporation footprint, including Colorado, and leveraging the firm's multi-state capabilities, resources, and award-winning client satisfaction. This role will report into the California Bank & Trust Affiliate.

We are looking for an Affordable Housing Credit Analyst - MLO to provide top notch customer service to our clients and customers in Denver, CO.  If you are passionate about being part of a community, being a team player, and helping others reach their financial goals, then we are interested in speaking with you!

Essential Functions:

* Conducts credit investigations and analyzes credit information pertaining to loans.

* Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches.

* Analyzes financial statements and related material.

* Analyzes financial conditions and trends.

* Reviews and reports non-compliance with loan covenants.

* Determines cash flow using appropriate tax analysis.

* Prepares summaries, presents facts, and offers opinions concerning creditworthiness.

* Provides credit information and references for customers, loan officers, or other agencies as requested.

* May provide rates and loan information to clients.

* Ensures that all credit files include proper documentation including current financial statements, agency reports, etc.

* Maintains control over current accounts, noting payment progress, watching for any developing problems, and keeping loan officers informed.

* Writes credit memorandums.

* Accompanies lenders on business calls.

* Conducts industry research.

* Assists with special projects as assigned.

Qualifications:

* Requires a Bachelor's and 2+ years of credit analysis experience, lending/credit procedures and processes or other directly related experience. A combination of education and experience may meet requirements.

* Working knowledge of financial and spread analysis and credit/lending procedures for moderately complex loans.

* Full use and application of commercial credit principles, theories, concepts, and techniques.

* Ability to work with lending officers and staff.

* Solid communication skills, both verbal and written.

* Ability to make sound decisions regarding loans.

* Solid PC skills are required.

Compensation:

This position is eligible to earn an hourly wage in the range of $37.98hr - $43.00hr, depending on job‑related factors such as experience level and location. This position is in-office and does not offer a hybrid schedule.

Benefits:

* Medical, Dental and Vision Insurance - START DAY ONE!

* Life and Disability Insurance, Paid Paternal 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