Commercial Credit Risk Review Specialist

Zions Bank; Midvale (UT); On-site; USD 85,000 - 110,000; Full time

Benefits offered by this job

Health Insurance

401(k) with company match

Paid Time Off

Tuition Reimbursement

Job summary

Zions Bancorporation, a leading financial services company, seeks a detail-oriented Commercial Credit Risk Review Officer for in-office work across Midvale, UT; Houston, TX; or Phoenix, AZ. You will participate in commercial loan examinations, analyze financial data, and assess risk across divisions to protect shareholder interests.

The role offers extensive training, collaboration with a team of commercial examiners, and opportunities to develop expertise in various lending areas, including CRE

Qualifications

• 2+ years of experience performing loan review or credit analysis.
• Completion of Banker Development Program or Credit Foundations and Personal Mastery Training.
• Bachelor’s in Business, Finance, Accounting, or a related field.
• Working 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.
• Minimal travel required, up to 5 days annually.

Skills

Credit risk

Loan review

Communications

Regulatory knowledge

Audit procedures

Banker training

Education

Bachelor's in Business/Finance/Accounting or related

Tools

Microsoft Office

Excel

Word

PowerPoint

Job description

Zions Bancorporation, a leading financial services company, seeks a detail-oriented Commercial Credit Risk Review Officer for in-office work across Midvale, UT; Houston, TX; or Phoenix, AZ. You will participate in commercial loan examinations, analyze financial data, and assess risk across divisions to protect shareholder interests.

The role offers extensive training, collaboration with a team of commercial examiners, and opportunities to develop expertise in various lending areas, including CRE