Commercial Portfolio Manager- Midvale, UT

Zions Bancorporation; Midvale (UT); On-site; USD 90,000 - 130,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

PTO

Holidays

Job summary

Zions Bank, a division of Zions Bancorporation, N.A., seeks a Commercial Portfolio Manager for the Specialty Loan Servicing group in Midvale, UT. You will underwrite and service a portfolio of commercial loans, perform credit analysis, and manage client relationships with a focus on risk and profitability.

This on-site role requires 2–4+ years of lending experience, strong Excel skills, and collaboration with Relationship Managers and Branch Managers.

Qualifications

• Bachelor’s degree and 2–4+ years credit lending or 5+ years related experience.
• Advanced knowledge of commercial lending.
• Deep credit analysis, spreading and analyzing financial statements, credit scoring, loan documentation.
• Experience with bank loan and deposit systems (Credit Lead, Moody’s).
• Excellent writing and verbal communication; MS Office, especially Excel.

Responsibilities

• Underwrite and service a portfolio of commercial loan relationships.
• Spread and analyze financial statements, address industry risks, collateral requirements, loan structuring and pricing.
• Credit analysis and monitoring of credit performance and loan presentations.
• Provide customer service with clear communication and professionalism.
• Manage existing client relationships and assist Relationship/Branch Managers with credit requests.
• Collaborate with internal and external clients on sensitive matters and routine tasks.

Skills

Underwrite loans

Credit analysis

Financial statement analysis

Relationship management

Excel proficiency

Credit risk assessment

Customer service

Education

Bachelor’s degree

Credit lending experience

Tools

Credit Lead

Tax Analysis

Moody’s

Job description

Zions Bank recognizes that its success comes from the dedication, experience, and talents of its diverse employee base. As we usher in the next generation of banking, we’re committed to being the premier employer of choice. We’re proud to have ranked among American Banker magazine’s“Best Banks to Work For”almost every year since 2013, as Best Employer from Utah’s Best of State, among the Best Places to Work in Idaho, and “among the Salt Lake Tribune’s Top Workplaces. Make the leap into a new era of banking. Let us transform your career.

Zions Bank has just opened an opportunity for aCommercial Portfolio Managerin theSpecialty Loan Servicinggroup located in theZions Technology Center campus in Midvale, UT.

Come join a team where you can collaborate and consult directly with clients as they manage their business operations. If you’re ready for the next step in your career, this may be your opportunity!

Ideal candidates will have the skills and experience necessary to:

• Underwrite and service a portfolio of commercial loan relationships.
• Spread and analyze financial statements, address industry risks, collateral requirements, loan structuring and pricing, credit analysis, monitor credit performance and loan presentations.
• Handle reporting on loans, involving such things as past dues, documentation and collateral exceptions, financial performance updates, portfolio profitability, etc.
• Provide customer service through clear communication skills, approachability, and working knowledge of all processes.
• Manage existing client relationships.
• Assist Relationship Managers and Branch Managers with credit requests.
• Collaborate and communicate with internal and external clients at a high level regarding sensitive matters, as well as routine matters.
• Expand, build and maintain relationships, with a resulting high degree of customer satisfaction.
• Remain flexible and support other responsibilities as needed for the business.

What you need to bring to the table:

• Typically requires a Bachelor’s degree and 2 - 4+ years credit associated lending or 5+ years related experience. An equivalent combination of education and experience may meet qualifications.
• Advanced knowledge of commercial and/or related lending required.
• Deep knowledge of credit analysis, spreading and analyzing financial statements, credit scoring, loan documentation, etc.
• Experience with bank loan and deposit systems preferred:
  • Credit Lead
  • Tax Analysis
  • Moody’s
• Excellent writing and verbal communication skills and confidence in working with internal and external senior level individuals.
• Advanced level expertise with MS Office – most particularly with Excel.
• Medical, Dental and Vision Insurance - START DAY ONE!
• Life and Disability Insurance, Paid Parental Leave and Adoption Assistance
• Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts
• Paid Training, Paid Time Off (PTO) and 12 Paid Federal Holidays, and any applicable state holidays
• 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
• Mental health benefits including coaching and therapy sessions
• Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire

Location:

This position is fully in office (5 days a week) at the Zions Technology Center

The Zions Technology Center is a 400,000-square-foot technology campus in Midvale, Utah. Located on the former Sharon Steel Mill superfund site, the sustainably built campus will be the company’s primary technology and operations center. This modern and environmentally friendly technology center will enable Zions to continue to compete for the best technology talent in the state while providing team members with an exceptional work environment with features such as:

• Electric vehicle charging stations and close proximity to Historic Gardner Village UTA TRAX station.
• At least 75% of the building is powered by on-site renewable solar energy.
• Access to outdoor recreation, parks, trails, shareable bikes and locker rooms.
• Large modern cafe with a healthy and diverse menu.
• Healthy indoor environment with ample natural light and fresh air.
• LEED-certified sustainable building that features include the use of low VOC-emitting construction materials.

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.

Zions Bank a division of Zions Bancorporation, N.A. Member FDIC