Sr Credit Examiner – Enterprise Wide & Retail Team - Midvale or Denver - Hybrid Schedule

Zions Bancorporation is one of the nation's premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker as one of the "Best Banks to Work For" and as having a top banking team in its list of "The Most Powerful Women in Banking." Our customers consistently vote us as the best bank in our local markets., We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a "local" business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers.

 With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity.

The Credit Examination Department is responsible for protecting the interest of shareholders of Zions Bancorporation by identifying credit activities that present significant business risks. We are seeking a senior level examiner that will be responsible for planning and completing horizontal and targeted examinations and reviews of commercial and retail loan portfolios as well as assessing the effectiveness of enterprise-wide credit risk management systems and processes.

The Sr. Credit Examiner requires experience employing risk-based examining techniques, including identifying, developing, and working through examination strategies. Candidates must have sound fundamental knowledge of credit administration processes along with a well-developed understanding of credit-related Federal Laws, Regulations, and regulatory guidance. This position requires the ability to organize, prioritize, and analyze large amounts of complex data in order to identify existing or emerging systemic weaknesses or concerns.

 Candidates should possess:

• Extensive knowledge as a generalist or specialist of C&I, CRE, Residential and SBA lending products and applicable underwriting and risk management standards and guidelines,
• Experience evaluating and documenting credit process flows and controls,
• Ability to identify and assess the materiality of credit-related issues and other matters of concern,
• Excellent verbal and written communication skills,
• Proven track record of accomplishing defined project objectives in a timely manner, 
• History of effectively challenging senior level management to implement necessary policy, process, and/or control changes. 

Education and Experience:

• Requires a bachelor's degree in business, finance, or related field 
• 6-8+ years of credit analysis or credit examining experience.
• A combination of education and experience may meet requirements.
• Regulatory examining experience is a benefit, but not required for this position.
• Experience in Consumer Lending is preferred, but not required for this position.
• Working knowledge of the Microsoft Office suite of applications is required. 

Location:

This position has a hybrid work from home schedule with a minimum of three days per week in the office at the Vectra Bank Corporate Headquarters, Denver, CO, or the Zions Bank Technology Center in Midvale, UT. Relocation costs are not available for this position.

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, 20 days of Paid Time Off (PTO) and 11 Paid Federal 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
• Employee Ambassador preferred banking products
• Employees may, at the company's discretion, be eligible to receive a cash bonus award 

Travel:

Limited travel. Expectation is 1-2 weeks a year.

Compensation:

Base compensation for this position is expected to be $120,000 - $130,000 annually. However, please do not exclude potential candidates based solely on this limit - as there may be "some flexibility" for a very well qualified candidate.