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Senior Credit Examiner: Salt Lake City, Phoenix or Houston/ WFH Hybrid

Credit Administration
Enterprise Services
056306 Requisition #

Zions Bancorporation, N.A. is one of the nation’s premier financial services companies, consisting of a collection of great banks with combined total assets exceeding $70 billion. Zions operates banking divisions under local management teams and community identities in 11 states.


This Sr. Credit Examiner is responsible for planning and conducting commercial examinations to evaluate credit-related activities across and within divisions of the bank.


We are currently seeking a Senior Credit Examiner to join our Commercial Examination team. This position will be in our Houston, Phoenix, or Salt Lake City (Murray), Utah office.


This position is eligible to work from home with a flexible 3/2 work schedule (subject to periodic review).


We want to talk to you!


  • Lead and assist in examinations reviewing all types of commercial, energy, and commercial real estate loans for the purposes of identifying potential credit risk problems, minimizing loan losses, and ensuring conformity with corporate policy.
  • Identify credit and documentation risk, analyze detailed financial data, and quickly identify evolving repayment risk patterns.
  • Assess the credit risk process, accuracy of risk grades as well as clarity, justification, and accuracy of lending decisions.
  • Communicate conclusions to management through oral and written examination reports with appropriate recommendations for corrective actions, when necessary.
  • Follow up to determine that approved recommendations are instituted and complied with.
  • Tests for compliance with company policies, procedures, and banking regulations.
  • Review credit files to determine financial sustainability, collateral and documentation accuracy, and proper monitoring of borrower requirements.
  • Analyze financial statements and spreads to determine the ability to repay debt.
  • Perform monthly or quarterly assessments of losses, risk grade changes, loan field approvals, and risk grade overrides.
  • Minimal travel required, up to 10 days annually.
  • Other duties as assigned.


Job Qualifications/Knowledge:


  • An in-depth knowledge of credit risk, accounting, audit procedures, and legal and regulatory requirements.
  • Extensive knowledge of commercial and commercial real estate loan products, including: owner occupied real estate, investor real estate, construction, and commercial & industrial loans.
  • Exhibit strong communication skills verbally and through written documents.
  • Demonstrate ingenuity and creativity and effective decision making and problem-solving capabilities.
  • Ability to identify credit risk issues and provide accurate conclusions and recommendations.
  • Experience working with Microsoft Office, Excel, Word, and PowerPoint.



  • Requires a bachelor’s degree in Business, Finance or a related field. MBA, RMA CRC, or another accreditation is preferred.
  • 8+ years’ experience performing credit analysis on lending products (commercial, commercial real estate, and energy) and conducting audit assessments or related experience is required.
  • Portfolio management experience with a large bank is also beneficial.
  • Bank regulator (commissioned) experience is preferred.
  • Combination of education and experience may meet requirements.

To review our Benefits Summary click here.


Zions Bancorporation and its affiliates and divisions (“Zions”) is an equal opportunity employer which prohibits all forms of discrimination and harassment. Zions is committed to the principle of equal employment opportunity for all employees and employment candidates and to providing a work environment free of discrimination and harassment. All employment decisions at Zions are based on business needs, job requirements and individual qualifications, without regard to race, color, religion, ethnicity, sex, sexual orientation, gender identification, age, national origin, pregnancy, veteran status, family or parental status, or any other status protected by the laws or regulations in the locations where we operate. Zions will not tolerate discrimination or harassment based on any of these characteristics. Zions encourages applicants of all ages.


It is Zions’ policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, Zions will safeguard the fair and equitable treatment of protected veteran spouses and family members with regard to all employment actions and prohibit harassment of applicants and employees because of their relationship or association with a protected veteran.


Applicants Requesting Accommodations: If you are a qualified individual with a disability or a disabled veteran, you may request a reasonable accommodation if you are unable or limited in your ability to use or access our career site.  You can request reasonable accommodations by contacting us at careers@zionsbancorp.com or 801/844-7628.  Please email your resume/cover letter, indicate what position you are interested in and include "Accommodation needed" in the subject line to ensure your information is routed to the appropriate contact.


Click here to view our EEO Statement.


Click here to view applicable Federal, State and/or local employment law posters.

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