Commercial Portfolio Manager - Salt Lake City, UT

Zions Bancorporation • Salt Lake, UT

10h • Onsite

About The Position

Zions Bank is seeking a Commercial Portfolio Manager to join Zions Bancorporation. This role is crucial in supporting multiple Relationship Managers (RMs) by managing a diverse portfolio of commercial, real estate, consumer, and mortgage credit relationships. The position offers a unique opportunity to engage with a broad spectrum of credit opportunities, involving the analysis of business and individual financial statements, and assisting Relationship Managers with underwriting, risk mitigation, and credit overrides. It is an ideal role for candidates with strong credit experience who wish to expand their expertise across both consumer and commercial lending environments, offering a dynamic, learning-focused setting with exposure to various credit products and client needs.

Requirements

• 4+ years of credit-associated lending experience, or 7+ years of related experience.
• Advanced knowledge of credit analysis, financial statement spreading, and underwriting, especially for individuals.
• Experience with consumer and/or commercial lending, including risk mitigation and loan documentation.
• Strong analytical skills and attention to detail.
• Excellent oral and written communication skills for client and internal interactions.
• Ability to work independently under limited direction and develop solutions to complex problems.
• Experience supporting multiple stakeholders and managing a high volume of diverse credit requests.
• Bachelor’s degree required; equivalent combination of education and experience may be considered.

Nice To Haves

• Proficiency in PC skills and experience with bank loan and deposit systems preferred.

Responsibilities

• Manage and service a portfolio of commercial, consumer, and mortgage credit relationships, supporting multiple Relationship Managers.
• Assist Relationship Managers with credit requests, deal structuring, and overrides for commercial and consumer loans.
• Perform detailed analysis and risk mitigation on a diversified portfolio of commercial and consumer clients, with an emphasis on individual financial statements and cash flow.
• Spread and analyze financial statements for businesses and individuals.
• Address industry risks, collateral requirements, loan structuring, and pricing.
• Monitor credit performance, prepare loan presentations, and handle reporting on past due loans, documentation, and collateral exceptions.
• Maintain and expand client relationships, ensuring a high degree of customer satisfaction.
• Collaborate with Relationship Managers to support credit and portfolio management activities.
• Take primary responsibility for system boarding of commercial loans.
• Work across and collaborate with many different functional areas of the organization.
• Contribute to the development of organizational goals and objectives.

Benefits

• 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 11 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
• Employee Ambassador preferred banking products

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 1,001-5,000 employees