Sr State Credit Administrator - Salt Lake City

Zions Bancorporation•Salt Lake, UT

1d•Onsite

About The Position

Credit Administration is responsible for the overall credit quality of the Bank's loan portfolio. The Department decisions loan transactions, maintains credit policies and procedures, monitors portfolio performance, manages the problem loan portfolio, and ensures sound credit practices. Credit Administration is also responsible for certain management and administrative functions including certain regulatory and credit support functions. The Intermountain Region of Credit Risk Management directly supports the Zions First National Bank and Vectra Bank of Colorado Divisions of Zions Bancorporation, N.A. This role leads a team of Credit Administrators in reviewing, structuring, and decisioning large or complex commercial lending relationships. Ensures accuracy, quality, and consistency of risk grading, credit requests, analyses and presentations, loan documentation, and portfolio management. Functions as a consultative resource and oversight function as well as promoting continuous improvement to credit management across the enterprise. Informs the Regional Credit Executive and Chief Credit Officer of the quality of assigned portfolios, credit requests, processes, and risk management. Monitors the results of QA reviews, audit, CED and regulatory examinations and implements corrective action as needed. Analyzes business unit, division, and region performance, assessing product risk and return and promoting cost effective processes and management practices. Identifies emerging portfolio risk and implements timely risk communication and escalation. Fosters best practices, identifies areas requiring additional support, assist in obtaining necessary support resources. Ensures all work is in compliance with applicable laws, regulations, policies, procedures, and guidelines. Responsible for hiring, developing, evaluating, and managing staff. Completes other duties as assigned.

Requirements

Requires a Bachelor's degree in finance or accounting
10+ years of directly related financial services experience with strong credit institutional experience.
Working knowledge of loan workout and problem loan management.
Expert knowledge of all areas of structuring and underwriting a wide variety of complex credit transactions.
Ability to identify, analyze, summarize, derive conclusions, and provide relevant recommendations on a variety of issues.
Strong leadership and management skills.
Exceptional oral and written communication skills with all levels of the organization.
Strong proficiency in MS Office products.
Sound business judgment, change management, and process improvement skills and people development.
Strong work ethic, commitment to responsibilities, and demonstrated ability to speak candidly to management in a tactful manner.

Nice To Haves

Advanced degree preferred.
A combination of education and experience may meet requirements.

Responsibilities

Leads a team of Credit Administrators in reviewing, structuring, and decisioning large or complex commercial lending relationships.
Ensures accuracy, quality, and consistency of risk grading, credit requests, analyses and presentations, loan documentation, and portfolio management.
Functions as a consultative resource and oversight function as well as promoting continuous improvement to credit management across the enterprise.
Informs the Regional Credit Executive and Chief Credit Officer of the quality of assigned portfolios, credit requests, processes, and risk management.
Monitors the results of QA reviews, audit, CED and regulatory examinations and implements corrective action as needed.
Analyzes business unit, division, and region performance, assessing product risk and return and promoting cost effective processes and management practices.
Identifies emerging portfolio risk and implements timely risk communication and escalation.
Fosters best practices, identifies areas requiring additional support, assist in obtaining necessary support resources.
Ensures all work is in compliance with applicable laws, regulations, policies, procedures, and guidelines.
Responsible for hiring, developing, evaluating, and managing staff.
Completes other duties as assigned.