Business Banker - Twin Falls Eastland

Zions Bank•Twin Falls, ID

25d•Onsite

About The Position

Zions Bank is seeking an experienced, proactive Business Banker based at its Twin Falls Eastland branch to drive relationship growth and manage a commercial business portfolio throughout the Magic Valley. The role serves as a trusted financial advisor to business owners and entrepreneurs, combining credit analysis and loan structuring with outside calling and business development. The banker expands existing relationships, acquires new commercial and small business clients, and delivers credit, treasury, deposit, merchant, and personal banking solutions. The position includes portfolio growth and retention, prospecting, credit underwriting and monitoring, and advising clients on their financial needs. The banker works with credit underwriting and loan administration teams to move credits from application through closing and helps maintain sound credit quality, regulatory compliance, and portfolio profitability.

Requirements

Bachelor’s degree in Finance, Accounting, Business Administration, or a related discipline, plus at least 2 years of commercial credit lending, business banking, or directly related credit analysis experience; an equivalent combination of education and experience is acceptable.
Demonstrated understanding of financial accounting, cash flow analysis, tax return evaluation, and commercial loan structuring.
Outstanding interpersonal, verbal, and written communication skills, including confidence interviewing C-suite executives and business owners.
Strong working knowledge of financial analysis software, spreadsheet modeling, and CRM or pipeline management tools.

Nice To Haves

Proven track record in B2B outside sales, cold calling, and establishing active referral networks within the Ada/Canyon County business communities.
Demonstrated success managing and growing an existing commercial or small business loan/deposit portfolio.
Familiarity with the Treasure Valley business environment and commercial lending ecosystem.

Responsibilities

Initiate outside prospect calls, conduct on-site business visits, and build referral relationships with centers of influence such as CPAs, attorneys, commercial real estate professionals, and business brokers.
Grow, expand, and retain an assigned portfolio of small-to-midsize business clients across the local market.
Identify clients’ financial needs and cross-sell commercial deposits, Treasury Management services, merchant solutions, and personal banking services to business principals.
Meet or exceed production goals for loan volume, deposit growth, fee revenue, and portfolio profitability.
Interview loan applicants and analyze financial statements, balance sheets, and tax returns; recommend credit structures aligned with bank risk parameters and client cash flow needs.
Partner with credit underwriting and loan administration teams to guide credits from application through processing, documentation, and closing.
Monitor borrower credit performance, review covenant compliance, conduct annual reviews, and manage loan renewals and extensions.
Develop knowledge of clients’ operational models and industry dynamics and create individualized relationship plans supporting their financial goals.
Comply with internal credit policies, underwriting guidelines, and state and federal banking regulations.
Perform other related duties and market initiatives as assigned.