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 as one of the “Best Banks to Work For” and 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.

A Commercial/Small Business Underwriting Team Lead at the Business Banking Loan Center (BBLC) has the opportunity to directly impact our ability to meet the financial needs of our customers.  This position is fully remote.  The ideal candidate will will have the skills and experience necessary to:

·       Be responsible for the preparation of credit narratives, pre-screens, incorporating spreads, statements of cash flow, the value of loan collateral, appraisals, audits and other data.

·       Interpret the outcome of analysis and preparation of credit summaries, recommendations to Credit Approvers on renewals and new loans submitted for underwriting.

·       Be responsible for evaluating, analyzing and forming opinions for the approving or denying of commercial, commercial RE and/or business banking loan applications.

·       Be responsible for spreading financial statements, identifying credit strengths and weaknesses, providing detailed and documented analysis of credit worthiness.

·       Ensure credit requests are processed in accordance with bank policies, banking regulations and laws.

·       Proactively Identify the various risk and other mitigating factors related to conducting a thorough credit analysis for approval.

·       Oversee a large commercial loan portfolio, including risk grade monitoring, problem loan reporting, loan covenant testing, real estate collateral reviews, pre-flight credit analysis on prospective loan requests, and ensure the timely delivery of the BBLC’s end-to-end underwriting and portfolio management processes.

·       Update underwriting and portfolio management procedures, processes, and best practices guides in compliance with internal and external regulatory requirements.

·       Respond to internal and external customer inquiries in a timely and professional manner.

·       Provide other assistance as needed to resolve time-sensitive issues.

Qualifications:

·       Requires a Bachelor's Degree in Finance, Business, Accounting or a related field and 6+ years commercial, commercial real estate credit or small business underwriting, spread analysis, lending, underwriting concepts, practices and procedures or other directly related experience.

·       A combination of education and experience may meet qualifications.

·       Some leadership/supervisory experience preferred.

·       Expert knowledge of commercial, commercial RE and/or business banking credit underwriting, spread analysis, lending, underwriting concepts, practices and procedures.

·       Expert working knowledge of Business Banking, C&I and CRE loan requirements with the ability to identify risk and mitigating factors related to conducting a thorough credit analysis for approval.

·       Expert knowledge of balance sheets, income and cash flow statements.

·       Advanced understanding of commercial and/or small business lending policies and procedures and general banking laws and regulations.

·       Ability to analysis and research financial statements, business plans, credit reports, debt ratios and loan to value information.

·       Possess excellent judgment, ability to make sound decisions.

·       Ability to accept responsibility and handle confidential information.

·       Must have excellent customer relations and communication skills, both verbal and written.

·       Must be a self-starter, dependable, accurate in completing responsibilities with excellent attention to detail and organizational skills.

·       Strong working knowledge of a various related software applications, including spreadsheets, word processing, etc.

·       Ability to lead or train lower- level staff.

·       Applies advanced principles, theories, and concepts.

·       Contributes to the development of innovative principles and ideas.

·       Ability to supervisor day to day functions/projects.

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, and any applicable state holidays

·       Salary range - $92,625 to $135,850 

·       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 enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire

·       Employee Ambassador preferred banking products