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Credit Analyst
Zions Bancorporation
Salt Lake City, UT, United States
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Description
You have the drive, ambition and skills and we want to give you the opportunity. Zions Bank 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.
Zions Bank is now accepting applications for our Credit Analyst in the Real Estate Banking Group based in our corporate offices in Salt Lake City. If you’re ready to move up the career ladder, this might be your next rung.
Ideal candidates will have the skills and experience necessary to:
• Conduct credit investigations, credit and loan analysis, and other documentation information pertaining to loan analysis.
• Investigate all available sources of credit and financial information, including reporting services, other companies, main office files, and branches.
• May meet with and interview customers to develop a strong understanding of the loan request and the business relationship ensuring the accuracy and completeness of financial information received for loan renewals.
• Analyze financial statements and related material.
• Analyze financial conditions and trends; review and report non-compliance with loan covenants.
• Determine cash flow using appropriate tax analysis.
• Prepare summaries, presents facts, and offer opinions concerning credit-worthiness and any risk items or issues.
• Provide credit information and references for customers, loan officers, or other agencies as requested.
• Ensure that all credit files include current financial statements, agency reports, etc.
• Maintain control over current accounts, noting payment progress, watching for any developing problems, and keep loan officers informed.
• Keep abreast of all new credit regulations and laws and ensures compliance with such.
• May assist with projects as needed.
• May be asked to help with other duties as needed.
Qualifications
Successful candidates will have the following credentials:
• Requires a Bachelor's degree in finance, business, accounting or a related field and 1+ yrs credit/financial analysis, lending, underwriting or other directly related experience. A combination of education and experience may meet job requirements.
• Basic working knowledge of financial and spread analysis, credit, lending and underwriting processes and principles.
• Some experience working with various types of loans.
• Basic working knowledge of credit risk, legal and regulatory requirements.
• Ability to work with lending officers and staff.
• Good client relationship and communication skills, both verbal and written.
• Ability to make sound decisions and recommendations regarding loans.
• Working knowledge of computer software programs including Excel, Word, etc. required.
What’s in it for you?
• Competitive base salary.
• Backing of one of the most successful community focused banks in the western U. S.
• Generous employee benefits, including immediate vesting of 401K match and tuition reimbursement.