Principal Credit Examiner - Midvale, Houston or Phoenix

Principal Credit Examiner - Midvale, Houston or Phoenix

Join to apply for the Principal Credit Examiner - Midvale, Houston or Phoenix role at Zions Bancorporation

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 protects the interest of shareholders 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.

• 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.

• Expert knowledge of credit risk, accounting, audit procedures, and legal and regulatory requirements.
• Expert 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.
• Strong verbal and written communication skills. Strong leadership skills.
• Working knowledge with Microsoft Office, Excel, Word, and PowerPoint.
• Bachelor’s in Business, Finance or a related field.
• 10+ years of experience performing credit analysis or conducting audit assessments on commercial and commercial real‑estate lending products.
• Portfolio management experience with a regional or large bank is beneficial.

• This position is full time in the office at the Zions Technology Center in Midvale, UT;
  Amegy Tower in Houston, TX;
  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, 20 days of Paid Time Off (PTO) and 11 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.

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.