Did you know that Zions Bancorporation is one of the nation’s premier financial services companies with total assets exceeding $70 billion? With local management teams at the helm in 11 western states, Zions is dedicated to making a difference in their local communities. At Zions, we haven’t forgotten who keeps us in business, meaning we’re committed to the success of our customers, and our employees. Here, the possibilities are endless – come for a job, stay for a career. This position is eligible for remote work schedule. The ideal candidate will reside within the footprint of Zions Bancorporation. This position is eligible for a hybrid work schedule. The ideal candidate for this role will have the skills and experience necessary to fulfill the following responsibilities and qualifications: · The Business Banking Underwriter and Portfolio Management Officer is responsible for various aspects of the credit work flow, including analyzing and decisioning of credits for underwritings, the renewal of portfolio credits, portfolio management and other ongoing credit management. · Must have prior Small Business or Commercial Underwriting experience. · Duties may include compiling data and incorporating spreads, cash flow, value of collateral, appraisals, audits, covenant tracking and testing, exception monitoring, and financial statement tracking. · Responsible for compilation of data and interprets outcomes of analysis and prepares summaries and recommendations. · Ensures all requests are processed in accordance with bank policies, regulations and laws. · Identifies risk and mitigating factors related to conducting a thorough credit analysis for approval. · Delivers an optimal customer experience via timely and proactive client communication and follow-up. · Responds to internal and external customer inquiries. · Higher level roles may act as a team lead, providing supervision of credit activities and reviewing credit status with individuals on a periodic basis. · Other duties as assigned. Qualifications : · Requires a Bachelors in Finance, Business, Accounting or a related field and 3+ year business banking credit, spread analysis, portfolio management, lending practices and procedures or other directly related experience. · A combination of education and experience may meet qualifications. · Basic knowledge of business banking/commercial real estate lending transactions, spread analysis, credit scoring, portfolio management, lending practices and procedures. · Basic knowledge of loan requirements with the ability to identify risk and mitigating factors. Ability to analyze and interpret financial statements. · Knowledge of credit and/or related lending processes and procedures. · Good understanding of lending policies and procedures and general banking laws and regulations. · Possess good judgment, ability to make sound decisions. · Good analysis and problem resolution skills. · Ability to accept responsibility and handle confidential information. · Must have good customer relations and communication skills, both verbal and written. · Must be a self-starter, dependable, accurate in completing responsibilities with strong attention to detail and organizational skills. · Working knowledge of a various related software applications, including spreadsheets, word. 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 · Salary Range – Depending on experience o Level I - $48,750 to $71,500 o Level II - $55,500 to $81,400 o Level III - $65,625 to $96,250 · Mental health benefits including coaching and therapy sessions · Tuition Reimbursement for qualifying employees · Employee Ambassador preferred banking products · Employees may, at the company’s discretion, be eligible to receive a cash bonus award Req ID: 065833 Equal Opportunity Employer It is the policy of this corporation to provide 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, veteran status, sexual orientation, gender identity and expression or any other characteristic protected by applicable law. This policy is established and administered in accordance with all applicable federal, state, and local laws. If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for employment, please contact us at (801) 844-7628, Mon.-Fri. between 9 a.m. - 5 p.m. MST. Click here to view applicable Federal, State and/or local employment law posters.