Elevate: Commercial Credit Risk Reviewer (In-Office)

Zions Bancorporation; Utah; On-site; USD 75,000 - 110,000; Full time

Benefits offered by this job

Medical Insurance - START DAY ONE

Life and Disability Insurance

Paid Parental Leave and Adoption Aid

401(k) with company match and Profit‑P

Health Savings (HSA) and Flexible Sp.

Job summary

Zions Bancorporation is seeking a Commercial Credit Risk Review Officer for in-office work at our Midvale, UT center (or Houston, TX or Phoenix, AZ). The role focuses on reviewing commercial and commercial real estate lending, analyzing cash flow, collateral, and risk grades, and communicating findings to management.

Extensive training is provided to grow banking credit skills. Join a team of 10-15 examiners, with travel limited to up to 5 days per year.

Qualifications

• 2+ years of experience performing loan review, credit analysis, or audit assessments on commercial and commercial real estate lending products.
• Strong understanding of credit risk, accounting, audit procedures, and regulatory requirements.
• Ability to identify credit risk issues and provide accurate conclusions and recommendations in a timely manner.
• Exhibit solid verbal and written communication skills.
• Working knowledge with Microsoft Office, Excel, Word, and PowerPoint.

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 analysis

Analytical thinking

Education

Bachelor’s in Business, Finance, Accounting, or related field

Tools

Microsoft Office

Excel

Job description

Zions Bancorporation is seeking a Commercial Credit Risk Review Officer for in-office work at our Midvale, UT center (or Houston, TX or Phoenix, AZ). The role focuses on reviewing commercial and commercial real estate lending, analyzing cash flow, collateral, and risk grades, and communicating findings to management.

Extensive training is provided to grow banking credit skills. Join a team of 10-15 examiners, with travel limited to up to 5 days per year.