Underwriting Manager: Ames, Iowa

Ames, Iowa
Dec 12, 2023
Dec 12, 2024

Zions Agricultural Finance (ZAF), a division of Zions Bank, is one on the top originators and servicers of agricultural land loans throughout the United States.  The division was formed in 1997 and has continued to grow over the years with over a $2 billion loan portfolio currently being serviced.


With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is committed to career growth and advancement. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity.


You bring the talent; we bring the opportunity!




Ideal candidates will have these skills and experience:


  • Has overall responsibility for the divisions underwriting functions.
  • Oversees the underwriting and evaluating of loan applications originated by the department. Manages the underwriting, approvals and/or rejections of loans.
  • Oversees the underwriting quality of loans approved.
  • Consults with the closing department to ensure all underwriting conditions are met prior to closing. May manage a team of portfolio managers.
  • Keeps informed of current practices in loan underwriting and makes sure underwriters are kept abreast of these changes.
  • Responsible to compliance issues within the underwriting division.
  • Responsible for hires, transfers, terminations and performance evaluations.
  • Other duties as assigned.






  • Requires a Bachelor's degree in Finance, Business, Accounting or a related field and 6+ years experience with credit practices and procedures, spread analysis, lending, underwriting concepts, lending regulations and compliance, or other directly related experience.
  • Requires some management experience. A combination of education and experience may meet qualifications.
  • Requires advanced knowledge of credit practices and procedures, spread analysis, lending and underwriting concepts.
  • Ability to manage a staff.
  • Expert knowledge of credit scoring, credit analysis, financial statements, credit reports, debt ratios and loan to value information.
  • Ability to resolve problems and make sound decisions.
  • Must have good customer relations and communication skills.
  • Working knowledge of a various related software applications.
  • Contributes to the development of new principles and concepts.




Location Amenities:



Located in the heart of downtown Ames, Iowa, the Zions Agricultural Finance building serves as the headquarters for our division. Ames is the home of Iowa State University, and as we like to say, is big enough to have everything, while being small enough to get there quickly.  Big 12 sporting events, live performances, a diverse selection of restaurants, bike friendly, and some of the best schools in Iowa make the Ames area an exceptional place to work and live.  Work location features include:

  • FREE employee parking with a private parking lot.
  • Easy access to city bus lines with a hub directly outside of our building.
  • Restaurants, shops, grocery stores, and city hall are all within a quarter mile of our location.




  • 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


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