Zions Bancorporation
Credit Examiner - Retail - Midvale (In Office)
Zions Bancorporation, Midvale, Utah, United States, 84047
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 business risks. 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.
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.
We want to talk to you!
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.
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.
Knowledge: Proficient knowledge of consumer and small business loan products, including: 1-4 family residential mortgages, secured and unsecured personal loans, scored small business and SBA loans, consumer and commercial small business credit card products, auditing procedures, credit analysis, accounting standards, statistical analysis, legal requirements and government regulations.
Strong customer relations and communication skills, both written and verbal.
Strong attention to detail.
Ability to identify and resolve problems.
Ability to provide credible challenge, make recommendations, and influence management based on sound conclusions.
Experience working with Microsoft Office, Excel, Word and PowerPoint.
Qualifications: Requires a Bachelor's in Business, Finance or a related field
4-6+ years’ experience with credit analysis of consumer and small business loan products
Examination/audit or other directly related experience.
A combination of education and experience may meet requirements.
Electric vehicle charging stations and close proximity to Historic Gardner Village UTA TRAX station.
At least 75% of the building is powered by on-site renewable solar energy.
Access to outdoor recreation, parks, trails, shareable bikes and locker rooms.
Large modern cafe with a healthy and diverse menu.
Healthy indoor environment with ample natural light and fresh air.
LEED-certified sustainable building that features includes the use of low VOC-emitting construction materials.
This position will be open until filled.
All candidates, including those with criminal histories will be considered for employment. However, a background check adjudicated consistently with the FDIC Section 19 regulation will be completed on any candidate who accepts a conditional job offer from the Company. Because the Company is a financial institution, the FDIC guidelines apply to all positions within the company and as such any and all job duties have a direct relationship to a candidate’s criminal history and that criminal history would need to align with the FDIC Section 19 regulations.
Zions Bancorporation, National Association prohibits illegal discrimination and reaffirms its policy of providing Equal Employment Opportunity (EEO), by extending 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, protected veteran status, military service, sexual orientation, gender identity, genetic information or any other characteristic protected by applicable federal, state or local law.
It is the Company’s policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, Zions will safeguard the fair and equitable treatment of protected veteran spouses and family members with regard to all employment actions and prohibit harassment of applicants and employees because of their relationship or association with a protected veteran.
Applicants Requesting Accommodations: If you are a qualified individual with a disability or a disabled veteran, you may request a reasonable accommodation if you are unable or limited in your ability to use or access our career site. You can request reasonable accommodations by contacting us at careers@zionsbancorp.com or 801/844-7618. Please email your resume/cover letter, indicate what position you are interested in and include "Accommodation needed" in the subject line to ensure your information is routed to the appropriate contact.
Click here to view applicable Federal, State and/or local employment law posters.
Create and manage profiles for future opportunities.
Zions Bank a division of Zions Bancorporation, N.A. Member FDIC
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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 business risks. 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.
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.
We want to talk to you!
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.
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.
Knowledge: Proficient knowledge of consumer and small business loan products, including: 1-4 family residential mortgages, secured and unsecured personal loans, scored small business and SBA loans, consumer and commercial small business credit card products, auditing procedures, credit analysis, accounting standards, statistical analysis, legal requirements and government regulations.
Strong customer relations and communication skills, both written and verbal.
Strong attention to detail.
Ability to identify and resolve problems.
Ability to provide credible challenge, make recommendations, and influence management based on sound conclusions.
Experience working with Microsoft Office, Excel, Word and PowerPoint.
Qualifications: Requires a Bachelor's in Business, Finance or a related field
4-6+ years’ experience with credit analysis of consumer and small business loan products
Examination/audit or other directly related experience.
A combination of education and experience may meet requirements.
Electric vehicle charging stations and close proximity to Historic Gardner Village UTA TRAX station.
At least 75% of the building is powered by on-site renewable solar energy.
Access to outdoor recreation, parks, trails, shareable bikes and locker rooms.
Large modern cafe with a healthy and diverse menu.
Healthy indoor environment with ample natural light and fresh air.
LEED-certified sustainable building that features includes the use of low VOC-emitting construction materials.
This position will be open until filled.
All candidates, including those with criminal histories will be considered for employment. However, a background check adjudicated consistently with the FDIC Section 19 regulation will be completed on any candidate who accepts a conditional job offer from the Company. Because the Company is a financial institution, the FDIC guidelines apply to all positions within the company and as such any and all job duties have a direct relationship to a candidate’s criminal history and that criminal history would need to align with the FDIC Section 19 regulations.
Zions Bancorporation, National Association prohibits illegal discrimination and reaffirms its policy of providing Equal Employment Opportunity (EEO), by extending 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, protected veteran status, military service, sexual orientation, gender identity, genetic information or any other characteristic protected by applicable federal, state or local law.
It is the Company’s policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, Zions will safeguard the fair and equitable treatment of protected veteran spouses and family members with regard to all employment actions and prohibit harassment of applicants and employees because of their relationship or association with a protected veteran.
Applicants Requesting Accommodations: If you are a qualified individual with a disability or a disabled veteran, you may request a reasonable accommodation if you are unable or limited in your ability to use or access our career site. You can request reasonable accommodations by contacting us at careers@zionsbancorp.com or 801/844-7618. Please email your resume/cover letter, indicate what position you are interested in and include "Accommodation needed" in the subject line to ensure your information is routed to the appropriate contact.
Click here to view applicable Federal, State and/or local employment law posters.
Create and manage profiles for future opportunities.
Zions Bank a division of Zions Bancorporation, N.A. Member FDIC
#J-18808-Ljbffr