Business Banking Manager jobs in Salt Lake City, UT

Did you know that Zions Bancorporation is one of the nation’s premier financial services companies with total assets exceeding $70 billion? With local management teams at the helm in 11 western states, Zions is dedicated to making a difference in their local communities. At Zions, we haven’t forgotten who keeps us in business, meaning we’re committed to the success of our customers, and our employees. Here, the possibilities are endless – come for a job, stay for a career.  This position is located at our new Technology Center in Midvale, UT.  This position is eligible for remote/hybrid work schedule.  The ideal candidate will reside within the footprint of Zions Bancorporation (UT, TX, AZ, NV, ID).  

The ideal candidate for the Commercial Small Business Underwriter position will have the skills and experience necessary to:

·         Responsible for compilation of data as it relates to preparation of credit packages, cash flow, value of related collateral, and other data.

·         Interpret outcome of analysis and prepares summary and recommendations to Credit Approvers on renewals and new loans submitted.

·         Evaluate, analyze and form opinions for the approving or denying of business banking loan applications.

·         Spread financial statements, identify credit strengths and weaknesses, provide detailed and documented analysis of credit worthiness.

·         Ensure credit requests are processed in accordance with bank policies, banking regulations and laws.

·         Identify risk and mitigating factors related to conducting a thorough credit analysis for approval.

·         Respond to internal and external customer inquiries.

·         Senior most level may function as a lead and be responsible for second level approvals.

·         Other duties as assigned.

Qualifications:

·         Requires a Bachelor's in Finance, Business, Accounting or a related field and 1 year commercial, commercial real estate credit or small business underwriting, spread analysis, lending, underwriting concepts, practices and procedures or other directly related experience.

·         A combination of education and experience may meet qualifications.

·         Basic knowledge of small business credit underwriting, spread analysis, lending, underwriting concepts, practices and procedures.

·         Basic knowledge of Small Business loan requirements with the ability to identify risk and mitigating factors related to conducting a thorough credit analysis for approval. Knowledge of balance sheets, income and cash flow statements is helpful.

·         Good understanding of small business lending policies and procedures and general banking laws and regulations.

·         Ability to analysis and research financial statements, business plans, credit reports, debt ratios and loan to value information.

·         Possess good judgment, ability to make sound decisions.

·         Ability to accept responsibility and handle confidential information.

·         Must have good customer relations and communication skills.

·         Must be a self-starter, dependable, accurate in completing responsibilities with strong attention to detail and organizational skills.

·         Working knowledge of a various related software applications, including spreadsheets, word processing, etc.

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