Credit Examiner - Retail - Midvale (In Office)

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 magazine 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.

With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity.

The Credit Examination Department is responsible for protecting the interest of shareholders of Zions Bancorporation by identifying credit activities that present significant businessrisks.We are seeking an examiner that will be responsible for planning and completing horizontal and targeted examinations and reviews of retail and small business loan portfolios as well as assessing the effectiveness of associated credit risk management systems and processes.

The Credit Examiner - Retail requires experience employing risk-based examining techniques, including identifying, developing, and working through examination strategies. Candidates must have fundamental knowledge of credit administration processes along with an understanding of credit-related Federal Laws, Regulations, and regulatory guidance. This position requires the ability to organize, prioritize, and analyze data in order to identify existing or emerging systemic weaknesses or concerns. Candidates should possess. This position will be located at our Zions Technology Center, Midvale, Utah office.

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• Analyzing credit risk in a wide range of consumer and small business loan products, and conducting credit examinations of the corporation's loans.
• Identifying credit and documentation risk, analyzing detailed financial data and quickly identifying evolving repayment risk patterns.
• Testing for compliance with company policies, procedures and banking regulations.
• Reviewing credit files for financial stability, cash flow, collateral accuracy, documentation and the borrowers to identify weaknesses.
• Spreading and analyzing financial statements for ability to pay.
• Determining appropriate risk grades.
• Writing examination and management reports with meaningful conclusions and making recommendations for corrective actions when necessary.
• Follow up to determine that approved recommendations in examination reports are implemented and effective.
• Leading or assisting other examiners as assigned.
• Limited travel required.
• Other duties as assigned.

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Qualifications :

The position is located at the Zions Technology Center which is a 400,000-square-foot technology campus in Midvale, Utah. Located on the former Sharon Steel Mill superfund site, the sustainably built campus will be the company's primary technology and operations center. This modern and environmentally friendly technology center will enable Zions to continue to compete for the best technology talent in the state while providing team members with an exceptional work environment with features such as :