Credit Analyst - Midvale, UT

Zions Bank•Midvale, UT

2d•Onsite

About The Position

Zions Bank is seeking a Credit Analyst for its Equipment Finance Division (EF) in Midvale, Utah. This division provides customized commercial financing and leasing solutions. The Credit Analyst will review credit presentations, provide feedback on terms, structure, and collateral, assist with asset evaluation, useful life estimates, and residual structuring, and support underwriters with financial analysis and credit presentation compilation. Zions Bank is committed to career growth and advancement.

Requirements

Bachelor's in finance, accounting, or economics or a related field and 1+ yrs credit/financial analysis, lending, underwriting or other directly related experience.
A combination of education and experience may meet job requirements.
Basic working knowledge of financial and spread analysis, credit, lending and underwriting processes and principles.
Some experience working with various types of loans.
Basic working knowledge of credit risk, legal and regulatory requirements.
Ability to work with lending officers and staff.
Good client relationship and communication skills, both verbal and written.
Ability to make sound decisions and recommendations regarding loans.
Working knowledge of computer software programs including spreadsheets, word processing, etc. required.

Nice To Haves

Equipment Finance or Leasing backgrounds

Responsibilities

Conduct credit investigations, credit and loan analysis, underwriting and other documentation information pertaining to loan analysis.
Conduct research on a variety of equipment types and associated values.
Prepare equipment desktop evaluations for teams across the Bank.
Investigate all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches.
Analyze financial statements and related material and makes recommendations for approvals of credits.
Analyze financial conditions and trends, reviews and reports non-compliance with loan covenants.
Determine cash flow using appropriate tax analysis.
Prepare summaries, present facts, and offer opinions concerning credit-worthiness and any risk items or issues.
Provide credit information and references for customers, loan officers, or other agencies as requested.
Ensure that all credit files include current finances.
May assist with projects as needed and perform other duties as assigned.

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)
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
Discounted TRAX pass.