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Loan Grade Risk Analyst
Zions Bancorporation
Centerville, UT, United States
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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 Loan Grade Risk Analyst - Commercial to join our team. This position is located in Centerville, Utah.
This is what we are looking for:
• Responsible to provide multi dimensional modeling risk grading for commercial loans of all sizes and types to commercial, agricultural, dealer, leasing and private services personnel.
• Assists field personnel in proper structuring of grading, source system data matching and exception clearing.
• Responsible for assessing the probability of default of the borrowers and guarantors and loss given default of the specific loan.
• Based on analysis responsible to make recommendations and course of action to take with regards to loans.
• Works with the risk grade central processing to assist field commercial lending personnel with assessing the risk inherent in commercial loan transactions.
• Responsible to create new grading scenarios and update existing scenarios already in the system along with resolution of data mismatches between the risk grade application and the loan system where the loan is boarded.
• Provides grading of all loan types including commercial and industrial credits, commercial real estate, dealer flooring, leasing, non-profit, agricultural and individual borrowers (including reliant guarantor grading). Interact with lending personnel across the enterprise.
• Develop and maintain reports.
• Other duties as assigned.
Qualifications
• Requires a Bachelor's in business, finance, accounting or a related field and 2+ years with credit analysis, data bases, risk analysis, statistical modeling and general commercial type lending or other directly related experience. A combination of education and experience may meet qualifications.
• Extensive knowledge of credit analysis, credit risk assessment, statistical modeling, accounting, spreadsheets, databases, statistical software and pc's.
• Working knowledge of commercial type lending or loans.
• Ability to utilize statistical models to present business solutions.
• Ability to work with various department and vendors.
• Must have strong analytical, customer service and communication skills, both verbal and written.
• Solid problem resolution skills.
• Extensive knowledge of report writing and lending systems.