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Loan Operations
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Enterprise Technology Operations
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054794 Requisition #

Zions Bancorporation’s Enterprise Technology and Operations (ETO) team is transforming what it means to work for a financial institution. We operate in a fast-paced, information-driven environment, which means we need people who bring diverse experiences, perspectives, and expertise to meet the ever-changing demands of a technology-driven world. We are grounded in the belief that “improving the work is the work” as we drive to create simple, easy, and fast solutions for our customers. Your ability to adapt, learn, and innovate helps increase revenue, reduce operational costs, and mitigates risk.

ETO provides opportunities for you to own your career growth through Diversity, Equity, and Inclusion, Women in Technology, and Workforce of the Future initiatives that allow you to network across the organization, volunteer in our community, and build your technical and soft skills. Together we are building a culture that values diversity and creates a space of belonging for all our team members. We believe that investing in your success is an investment in our customers and our business. Our people are what sets us apart and make us great.

This position can be located in CA, AZ, TX, CO, NV, and UT.

Responsibilities:

  • Manage the documentation review and loan closing process for syndicated commercial real estate loans.
  • Works directly with relationship managers (RM), along with the borrower, legal counsel, title companies, insurance agents, and vendors to ensure closing requirements are met and necessary due diligence is obtained.
  • Represent the organization with clients and outside agencies.
  • Review and comprehend complex loan documentation, loan terms and financial elements for accuracy and consistency with the Credit Approval.
  • Ensures documents are prepared in compliance with credit policy, documentation standards and regulatory requirements.
  • Identifies potential risks and provides solutions.
  • Responsible for ensuring waivers or deviations from policy are adequately documented.
  • Instruct attorney to prepare loan documents in accordance with credit approval and bank's requirements.
  • Interact with clients, collecting, reviewing, and distributing due diligence items necessary for a loan closing.
  • Actively negotiates and coordinates loan documents with Legal counsel.
  • Notifies the RM, attorney and client of items missing items or required corrections and ensures attorney closing checklist is accurate.
  • Assist RM with clarification of legal, policy and documentation issues requiring adjustments.
  • Confirms budget, escrow closing statement and bank settlement statements are in balance, ensuring fees and expenses are accounted for and outstanding items are identified.
  • Ensures appropriate approval and/or waivers and exceptions are obtained.
  • May train and mentor lower-level loan closers.
  • Other duties and/or projects as assigned.

Qualifications:

  • Requires a Bachelors degree in Business, Finance or a related field and 8+ years of Commercial Real Estate documentation/closing experience, including 4+ yrs experience reading and interpreting loan and legal documentation or other directly related experience. A combination of education and experience may meet requirements.
  • Extensive knowledge of commercial real estate loan closing processes and procedures, lending compliance and regulations, loan systems and loan documentation.
  • Advanced knowledge of loan principles and processes.
  • Ability to read and interpret very complex loan and legal documentation.
  • Extensive knowledge of construction due diligence and risk management.
  • Strong analytical and research skills.
  • Must be accurate, detail oriented and have ability to multi-task.
  • Must have excellent problem resolution, audit, customer service and communication skills, both verbal and written.
  • Ability to train and mentor to less experience loan administrators/closers.
  • Demonstrated ability to utilize sound judgment and work under limited supervision.
  • Ability to communicate effectively with clients, RM's internal/external legal counsel and credit management.
  • Excellent computer skills including various word processing and spreadsheet software.

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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Amegy Bank a division of Zions Bancorporation, N.A. Member FDIC