This job has expired, please see additional jobs below
Credit Examiner - Consumer & Small Business
Zions Bancorporation
Midvale, UT, United States
Job Details - this job has expired, please see similar jobs below
Description
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 Consumer and Small Business Examination team. This position will be located in our Union Park, Midvale Utah office.
We want to talk to you!
Responsible for:
• 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.
• Determining appropriate risk grades.
• 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.
• Some 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 analysis and resolve problems.
• Ability to challenge the status quo, make recommendations and influence management based on sound conclusions.
• Experience working with Encompass 360, Collection Management software, Bancs, Shaw, Credit Lead, 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 of consumer and small business loan products
• Examination/audit or other directly related experience.
• A combination of education and experience may meet requirements.