Senior Credit Examiner - Midvale, Phoenix, Houston

Senior Credit Examiner - Midvale, Phoenix, Houston

Senior Credit Examiner will protect shareholder interests by evaluating credit-related products across all segments of the bank, including commercial, commercial real estate, and specialty lending.

• Lead and assist in 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.

• In-depth knowledge of credit risk, accounting, audit procedures, and legal and regulatory requirements.
• Extensive 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.
• Experience working 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 large bank is beneficial.
• Combination of education and experience may meet requirements.

Zions Technology Center in Midvale, UT ... Amegy Tower in Houston, TX ... or, Biltmore Corporate Office in Phoenix, AZ.

• 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

This position will be open until filled. All candidates, including those with criminal histories, will be considered for employment. However, a background check adjudicated consistently with the FDIC Section 19 regulation will be completed on any candidate who accepts a conditional job offer from the Company. Because the Company is a financial institution, the FDIC guidelines apply to all positions within the company and as such any and all job duties have a direct relationship to a candidate’s criminal history and that criminal history would need to align with FDIC Section 19 regulations.

Zions Bancorporation, National Association prohibits illegal discrimination and reaffirms its policy of providing Equal Employment Opportunity (EEO), by extending equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, protected veteran status, military service, sexual orientation, gender identity, genetic information or any other characteristic protected by applicable federal, state or local law.

It is the Company’s policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, Zions will safeguard the fair and equitable treatment of protected veteran spouses and family members with regard to all employment actions and prohibit harassment of applicants and employees because of their relationship or association with a protected veteran.

Applicants Requesting Accommodations:
If you are a qualified individual with a disability or a disabled veteran, you may request a reasonable accommodation if you are unable or limited in your ability to use or access our career site. You can request reasonable accommodations by contacting us at  or 801/844-7618. Please email your resume/cover letter, indicate what position you are interested in and include "Accommodation needed" in the subject line to ensure your information is routed to the appropriate contact.