Senior Commercial Credit Risk Review Officer – Midvale, Houston, or Phoenix (In-Office)
About The Position
Zions Bancorporation is seeking a detail-oriented Senior Commercial Credit Risk Review Officer to join the Credit Examination Department. This role involves participating in and leading commercial loan examinations and ongoing monitoring activities to evaluate credit-related activities across the bank. The officer will assess credit structures, underwriting analysis, repayment capacity, financial statements, risk management, collateral, risk grading accuracy, and loan documentation. This position offers exposure to various lending areas including traditional commercial, commercial real estate, Agriculture, Automobile Flooring, Gaming, Oil & Gas, Vacation Ownership, Enterprise Value Lending, Large Corporate Syndications, and Project Finance. The role is part of a collaborative team of 10-15 commercial examiners.
Requirements
- Advanced knowledge of credit risk, accounting, audit procedures, and legal and regulatory requirements.
- Advanced knowledge of commercial and commercial real estate loan products, including owner occupied real estate, investor real estate, construction, and commercial and industrial loans.
- Ability to identify credit risk issues and provide accurate conclusions and recommendations in a timely manner.
- Strong verbal and written communication skills.
- Extensive knowledge with Microsoft Office, Excel, Word, and PowerPoint.
- Bachelor’s in Business, Finance, or a related field.
- 8+ years of experience performing credit analysis or conducting audit assessments on commercial and commercial real estate lending products.
Nice To Haves
- Portfolio management experience with a regional or large bank is beneficial.
- Regulatory experience (OCC, FDIC or State Regulator) is beneficial.
Responsibilities
- Assist in and lead 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.
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
- 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
- Employee Ambassador preferred banking products
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
What This Job Offers
Job Type
Full-time
Career Level
Senior
