Asset Based Lending Field Examiner - Midvale, UT, Dallas or Houston

Zions Bancorporation; Houston (TX); On-site; USD 90,000 - 130,000; Full time

Benefits offered by this job

Medical, Dental and Vision Insurance

Life and Disability Insurance

Paid Parental Leave

Adoption Assistance

Health Savings (HSA)

Flexible Spending (FSA)

Dependent care accounts

Paid Training

20 days of PTO and 11 holidays

401(k) with company match and Profit共享

Job summary

Zions Bancorporation's Enterprise Field Exam team is hiring an Asset Based Lending Field Examiner to conduct on-site examinations at client locations in Midvale, UT, Dallas, TX or Houston, TX. The role validates collateral, analyzes financials and ensures compliance with lending covenants while coordinating field exams and reporting findings.

Successful candidates will bring 6+ years in asset-based lending, strong analytical and communication skills, and the ability to manage vendor

Qualifications

• Bachelor's degree in accounting, finance or related field.
• 6+ years in asset-based lending or related areas.
• Knowledge of loan structures and covenants.

Responsibilities

• Plan, schedule, coordinate, and conduct field examinations.
• Establish the scope of work for reviewing and analyzing field exams.
• Review and finalize work produced by field examiners to ensure quality and compliance of work.
• Ensure that production and quality of work performed by independent contractors is meeting service levels.
• Manage field exam vendors by maintaining required documentation and third‑party vendor management.
• Consult with lenders in pre-screening and structuring new business for appropriateness, structure, and borrowing base calculations.
• Manage department projects as needed.
• Complete other duties as assigned.

Skills

Asset-based lending

Field exams

Credit analysis

Portfolio management

People skills

Education

Bachelor's degree in accounting/finance

Tools

Excel

Word processing

Job description

Asset Based Lending Field Examiner - Midvale, UT, Dallas or Houston

Zions Bancorporation is one of the nation’s premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker magazine as having a top banking team in its list of "The Most Powerful Women in Banking." Our customers consistently vote us as the best bank in our local markets. We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a "local" business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers.

With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity.

Zions Bancorporation’sEnterprise Field Examteam is transforming what it means to work for a financial institution. With a commitment to technology and innovation, we have been providing our community, clients, and colleagues the best experience possible for over 150 years. Help us transform our workforce of the future, today.

We are currently seeking aAsset Based LendingField Examineras part of our Enterprise Field Exam team. Enterprise Field Exam is responsible for all facets of field examinations including validating the financial and collateral information provided by a borrower to the bank, reviewing exam reports performed by outside vendors, and scheduling, coordinating, and ordering field exams.

The Bancorporation desires timely and comprehensive Field Exams, which are a valuable tool in facilitating the accurate monitoring of A/R, Inventory, and other collateral securing revolving lines of credit. The Field Exam is performed on-site at the Borrower’s location. The Field Examiner follows set procedures to perform various tests of the Borrower’s accounting practices, establishes an understanding of the collateral securing the Line of Credit, and evaluates the Borrower’s timeliness of paying its accounts payable and payroll. The Field Examiner is required to collect a certain body of information while on-site with the Borrower and then summarize the findings and make recommendations during the Field Exam write-up process.

If you want to work with a group where your input matters, you get to collaborate with sharp colleagues with whom you will grow, where your work is truly valued and you make a difference, then join our team. The work you do will have real customer and enterprise-wide impact and be truly valued by both.

Responsibilities:

• Plan, schedule, coordinate, and conduct field examinations.
• Establish the scope of work for reviewing and analyzing field exams.
• Review and finalize work produced by field examiners to ensure quality and compliance of work.
• Ensure that production and quality of work performed by independent contractors is meeting service levels.
• Manage field exam vendors by maintaining required documentation, complying with third‑party vendor management, and adding new field exam vendors.
• Consult with lenders in pre‑screening and structuring new business for appropriateness, structure, and borrowing base calculations.
• Manage department projects as needed.
• Complete other duties as assigned.

Qualifications:

• Bachelor's degree in accounting, finance, or a related field.
• 6+ years in asset‑based lending, underwriting, loan structuring, credit and portfolio management, field exams, economic and industry evaluations, monitoring collateral and credit performance, or other related experience.
• An equivalent combination of education and experience may meet qualifications.
• Extensive knowledge of accepted loan practices with emphasis on asset‑based lending, field exams, underwriting, credit analysis, and portfolio management.
• Extensive working knowledge of commercial/corporate loan structures, setting of appropriate loan and financial covenants, and industry standard loan documentation.
• Familiarity with loan processing and closing processes.
• Excellent problem resolution, analysis, and communication (verbal and written) skills.
• Ability to interview applicants and perceptive character judgment skills.
• Ability to structure loans, monitor credit performance, and minimize credit risks.
• Must have excellent people skills.
• Strong working knowledge of software applications, including spreadsheets and word processing.

Location:

This position is fully in office (5 days a week) and can be located in Midvale, UT, Houston or Dallas, TX

• Medical, Dental and Vision Insurance
• Life and Disability Insurance, Paid Parental Leave, and Adoption Assistance
• Health Savings (HSA), Flexible Spending (FSA), and dependent care accounts
• Paid Training, 20 days of Paid Time Off (PTO), and 11 Paid Federal Holidays
• 401(k) plan with company match, Profit Sharing, and competitive compensation in line with work experience
• Mental health benefits including coaching and therapy sessions
• Tuition Reimbursement for qualifying employees
• Employee Ambassador preferred banking products
• Employees may, at the company’s discretion, be eligible to receive a cash bonus award

This position will be open until filled.

All candidates, including those with criminal histories will be considered for employment. However, a background check adjudicated consistently with the FDIC Section 19 regulation will be completed on any candidate who accepts a conditional job offer from the Company. Because the Company is a financial institution, the FDIC guidelines apply to all positions within the company and as such any and all job duties have a direct relationship to a candidate’s criminal history and that criminal history would need to align with the FDIC Section 19 regulations.

Zions Bancorporation, National Association prohibits illegal discrimination and reaffirms its policy of providing Equal Employment Opportunity (EEO), by extending equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, protected veteran status, military service, sexual orientation, gender identity, genetic information or any other characteristic protected by applicable federal, state or local law.

It is the Company’s policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, Zions will safeguard the fair and equitable treatment of protected veteran spouses and family members with regard to all employment actions and prohibit harassment of applicants and employees because of their relationship or association with a protected veteran.

Applicants Requesting Accommodations: If you are a qualified individual with a disability or a disabled veteran, you may request a reasonable accommodation if you are unable or limited in your ability to use or access our career site. You can request reasonable accommodations by contacting us at [e-mail] or 801/844-7618. Please email your resume/cover letter, indicate what position you are interested in and include "Accommodation needed" in the subject line to ensure your information is routed to the appropriate contact.