Commercial Credit Risk Review Analyst

National Bank Of Arizona; Utah; On-site; USD 95,000 - 135,000; Full time

Benefits offered by this job

Health Insurance

401(k) with company match

Profit Sharing

Job summary

National Bank of Arizona, a division of Zions Bancorporation, seeks a Commercial Credit Risk Review Officer to join the Credit Examination Department. In an office-based role, you will participate in commercial loan examinations and ongoing monitoring across divisions, evaluating underwriting, cash flow and collateral to protect shareholder value.

You will work with a team of seasoned examiners, gain exposure to a broad range of lending products, including CRE and specialty credits, and receive

Qualifications

• 2+ years of loan review/credit analysis experience.
• Knowledge of credit risk, accounting, audit procedures, and regulatory requirements.

Responsibilities

• Assist in examinations reviewing commercial, commercial real estate, and specialty lending products to identify potential credit risk problems, minimize loan losses, and ensure conformity with corporate credit policy.
• Analyze detailed financial data and spreads to quickly determine repayment capacity and ability to repay debt.
• Assess underwriting and monitoring processes, as well as accuracy of risk grades.
• Test compliance with company policies, procedures, and banking regulations.
• Review collateral and legal documentation to evaluate lien perfection and borrower compliance with loan covenants.
• Communicate conclusions to bank management through oral and written reports with recommendations for corrective actions, when necessary.
• Perform validation testing to assess whether recommendations have been successfully implemented.

Skills

Credit risk analysis

Loan review

Financial statement analysis

Regulatory compliance

Education

Bachelor’s degree

Tools

Microsoft Office

Excel

PowerPoint

Word

Job description

National Bank of Arizona, a division of Zions Bancorporation, seeks a Commercial Credit Risk Review Officer to join the Credit Examination Department. In an office-based role, you will participate in commercial loan examinations and ongoing monitoring across divisions, evaluating underwriting, cash flow and collateral to protect shareholder value.

You will work with a team of seasoned examiners, gain exposure to a broad range of lending products, including CRE and specialty credits, and receive