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Zions Bancorporation is accepting application for our Asset Based Lending Portfolio Manager. Position can be located in Salt Lake City, or Houston or Los Angeles.
If you have drive, ambition and skills then we want to give you the opportunity to succeed. Our company is full of people just like you who share the same values and work ethic. Our diverse workforce offers endless opportunities to expand your skills and gain valuable experience that will help you advance your career. Let’s talk about how we can help one another succeed.
Ideal candidates will have the skills and experience necessary to:
Responsible to support the lending unit in the structuring and performs due-diligence, underwriting, legal documentation, closing, analyzing financial data and managing both new and existing complex Asset-Based loans.
Has overall responsibility for the credit quality of the loan portfolio.
Establishing scope of work, ordering, reviewing and analysis of field exams.
Actively participates in new business efforts including client calls.
Pre-screen new business for appropriateness, structure and offer a key opinion to solicit business.
Prepares loan packages for loan approval, including the submission and presentation of underwriting memo for approval.
Accountable for appropriate loan documentation, borrowing-base calculation, the loan closing process and internal on-boarding of new customers.
Responsible to analyze and accurately document the financial performance of borrowers.
Ensure compliance with financial and loan covenants.
Can manage troubled loans and workout situations.
Required to build and maintain relationships with a resulting high degree of customer satisfaction.
Provide advice and counsel to clients regarding trends and conditions of the business environment, capital markets, and general banking trends.
Prepares credit analysis in accordance with credit policy for both new and existing loans with a focus on credit policy, identifying risk and mitigates, and appropriate loan ratings.
Perform financial projection modeling.
Ensures that production and quality of work performed by independent contractors is monitored and meeting service levels.
Manage department projects as needed.
Other duties as assigned.
6-8+ years in asset-based lending, underwriting, loan structuring, credit and portfolio management, field exam, loan documentation, loan workouts, monitoring collateral and credit performance, economic and industry evaluations, or other directly related experience.
Strong knowledge of accounting and finance.
An equivalent combination of education and experience may meet qualification
Experience in managing a medium to large loan portfolio.
Working knowledge of accepted loan practices with emphasis on asset-based lending, underwriting, security prioritization, legal documentation, credit analysis and portfolio management.
Working knowledge of commercial/corporate loan structures, setting of appropriate loan and financial covenants and industry standard loan documentation.
Ability to support the expand client relationships.
Strong work ethic.
Familiarity with loan processing and closing processes.
Solid problem resolution, analysis, communication skills, both verbal and written.
Ability to interview applicants and perceptive character judgment skills.
Ability to structure loans, monitor credit performance and minimize credit risks.
Must have solid interpersonal skills.
Strong knowledge of software applications, including word processing, spreadsheets and financial modeling.
Requires a bachelor's degree in accounting, finance, banking, or a related field
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