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Credit Examiner
Zions Bancorporation
Phoenix, AZ, United States
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Description
National Bank of Arizona, a division of Zions Bancorporation is one of the nation’s premier financial services companies, consisting of a collection of great banks with combined total assets exceeding $65 billion. Zions’ subsidiary ZB, N.A. operates banking divisions under local management teams and community identities in 11 states.
We are currently seeking a Credit Examiner to join our team. This position will be located in our Phoenix, AZ office.
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• Responsible for analyzing credit risk in a wide range of industries and loan products, including business and commercial real estate loans, conducting credit examinations of the corporation’s loans.
• Identify credit and documentation risk, analyzes detailed financial data and quickly identify evolving repayment risk patterns.
• Tests for compliance with company policies, procedures and banking regulations.
• Reviews credit files for financial stability, cash flow, collateral accuracy, documentation and the borrowers to identify weaknesses.
• Complete spreads and analyze financial statements for ability to pay.
• Determine appropriate risk grades.
• Write examination and management reports with meaningful conclusions and makes recommendations for corrective actions when necessary.
• Follow up to determine that approved recommendations in examination reports are instituted and complied with.
• Some travel required.
• Other duties as assigned.
Knowledge:
• Proficient knowledge of loan products, including business and commercial real estate loans, auditing procedures, credit, accounting, statistical analysis, legal requirements and government regulations.
• Strong customer relations and communication skills, both written and verbal. Strong attention to detail.
• Ability to analysis and resolve problems.
• Ability to challenge the status quo, 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
• 2- 4+ years’ experience with credit analysis, loans, lending preferably in commercial and business lending and auditing processes and procedures or other directly related experience.
• A combination of education and experience may meet requirements.