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Business Banking Underwriter and Portfolio Management Officer
Zions Bancorporation
West Valley City, UT, United States
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Description
Zions Bancorporation is now accepting resumes for our Business Banking Underwriter & Portfolio Manager position located in West Valley City, UT.
The ideal candidate for this position will have the skills and experience necessary to:
• Be responsible for various aspects of the credit work flow, including the analyzing and decisioning of credits for underwritings, the renewal of portfolio credits, portfolio management, and other ongoing credit management.
• Compiling data and incorporating spreads, cash flow, value of collateral, appraisals, audits, covenant tracking and testing, exception monitoring, and financial statement tracking.
• Be responsible for compilation of data and interpret outcomes of analysis and prepare summaries and recommendations.
• Ensure all requests are processed in accordance with bank policies, regulations, and laws.
• Identify risk and mitigating factors related to conducting a thorough credit analysis for approval.
• Deliver an optimal customer experience via timely and proactive client communication and follow-up.
• Respond to internal and external customer inquiries.
• Higher level roles may act as a team lead, providing supervision of credit activities and reviewing credit status with individuals on a periodic basis.
• Perform other duties as assigned.
Qualifications
• Requires a Bachelors in Finance, Business, Accounting or a related field and 1+ year business banking underwriting, spread analysis, lending, underwriting concepts, practices and procedures or other directly related experience.
• A combination of education and experience may meet qualifications.
• Basic knowledge of business banking/commercial real estate lending transactions. credit underwriting, spread analysis, credit scoring, lending, underwriting concepts, practices and procedures.
• Basic knowledge of loan requirements with the ability to identify risk and mitigating factors related to conducting a thorough credit analysis for approval.
• Ability to analyze and interpret financial statements.
• Knowledge of credit and/or related lending processes and procedures.
• Good understanding of lending policies and procedures and general banking laws and regulations.
• Possess good judgment, ability to make sound decisions.
• Ability to accept responsibility and handle confidential information.
• Must have good customer relations and communication skills.
• Must be a self-starter, dependable, accurate in completing responsibilities with strong attention to detail and organizational skills.
• Working knowledge of a various related software applications, including spreadsheets, word processing, etc.