Principal Credit Examiner - Midvale, Houston or Phoenix

Commercial Principal Credit Examiner

Zions Bancorporation, N.A. is one of the nation's premier financial services companies, consisting of a collection of great banks with combined total assets exceeding $90 billion. Zions operates banking divisions under local management teams and community identities in 11 states.

The Credit Examination Department is responsible for protecting the interest of shareholders of Zions Bancorporation by identifying credit activities that present significant business risks. We are seeking a detail-oriented Commercial Principal Credit Examiner who will participate in commercial loan examinations and ongoing monitoring activities to evaluate credit-related activities across and within divisions of the bank. The Credit Examiner will evaluate credit structures, underwriting analysis, cash flow sources and repayment capacity, financial statements, risk management practices, collateral, risk grading accuracy, and loan documentation.

If you want to increase your knowledge and expertise in all facets of credit, you will find this position very appealing. In addition to traditional commercial and commercial real estate lending, you will be exposed to specialty industries and lending areas such as Agriculture, Automobile Flooring, Gaming, Oil & Gas, Vacation Ownership, Enterprise Value Lending, Large Corporate Syndications, Project Finance, etc. We offer extensive training to further build your credit skills.

If you want to work on a team where your input matters, you get to collaborate with a team of 10 15 other commercial examiners with whom you will grow, where your work is truly valued and you make a real difference, then you will be in good company.

The Principal Credit Examiner will :

• 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.

Requirements / Qualifications :

Location :

Benefits :

Apply now if you have a passion for evaluating credit risk, enjoy collaborating with co-workers, and want to make a difference for the bank and communities we serve.