Senior Commercial Underwriter

Zions Bancorporation•Las Vegas, NV

10h•Onsite

About The Position

Nevada State Bank, a division of Zions Bancorporation, N.A., is seeking a Senior Commercial Underwriter (Portfolio Risk Officer) to join their underwriting team. This role focuses on managing and servicing loan portfolios, analyzing financial statements, and identifying industry risk. The position is fully in-office and located at the corporate building in Las Vegas, NV. The bank has a strong commitment to career development, offering tuition reimbursement and continuous learning opportunities, alongside competitive benefits. They also emphasize diversity, equity, and inclusion through colleague-led diversity forums.

Requirements

Typically requires Bachelor's and 6+ years experience with commercial lending, lending policies and procedures, or other directly related experience.
Extensive knowledge of lending policies and procedures, loan structuring, and financial analysis.
Must have knowledge of job-related software such as Moddys Risk Analyst, as well as other common office software and applications.
Must have solid written and verbal communication skills, including technical writing and ability to communicate with external clients and internal employees.
Must have excellent analytical abilities and decision making skills.
Strong knowledge of commercial lending products, including C&I, CRE (owner occupied and investor), construction lending, and participated/syndicated loans.

Nice To Haves

10+ years' of experience in commercial lending, with a focus on C&I deals is preferred.
A combination of education and experience may meet requirements.
Experience with more complex and/or challenging loans is preferred.

Responsibilities

Manages the commercial loan portfolio with coordination from the Relationship Manager (RM).
Conducts initial interview with the RM and is introduced to client.
Follow up with borrower for required financial information and explanation.
Obtain sufficient understanding of borrower's financial position, managerial strategy, and expected loan performance to recommend a loan structure through discussion with the client and minimal RM assistance.
Document understanding of the lending relationship in written form primarily in loan credit presentations, but also in problem loan reports, semi-annual credit reviews, MDM loan grading, and file comments.
Assist and may lead the presentation of the loan at credit committee.
Incorporation of financial analysis completed by junior staff into written documentation.
Obtain satisfactory CED and Regulatory examination findings.
Capable of managing the loan portfolio with limited assistance from the RM.
Other duties as needed.