At Amegy Bank, everyone counts! Your contributions are valued, and everyone has an opportunity to grow in their career. We're committed to doing the very best for our customers, our communities and our employees.
Our Factoring Division team in Houston, TX provide a breadth of credit reporting and analytics to Executive Management at Amegy Bank and across the entire Bancorporation. If you have a good working knowledge of spread analysis, lending and underwriting concepts, balance sheets, and enjoy working in a fast-pasted environment that requires a broad use of tools to query, analyze, and summarize information quickly - you can grow a long-time career at Amegy Bank.
Responsible for compilation of data as it relates to preparation of credit packages (or pre-screens) incorporating spreads, cash flow, value of related collateral, appraisals, audits and other data.
Responsible for evaluating, analyzing and forming opinions for the approving or denying of commercial, commercial RE, and/or business banking loan applications.
Responsible for spreading financial statements, identifying credit strengths and weaknesses, providing detailed and documented analysis of credit worthiness.
Ensures 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. Responds to internal and external customer inquiries.
HYBRID: You will have the ability to work a 3/2 hybrid schedule. There will be times that will require you to travel locally to attend any meetings and/or any other events when necessary. Travel may be required. ** New hire orientation and first 30+ days of training will be in person until remote schedules are approved **
Requires a Bachelor's in Finance, Business, Accounting or a related field and 1+ year commercial or business banking underwriting experience. A combination of education and experience may meet qualifications.
Basic working knowledge of commercial (C&I, CRE) and/or business banking credit underwriting, spread analysis, lending, underwriting concepts, practices and procedures is necessary.
Good working knowledge of balance sheets, income and cash flow statements.
Solid understanding of banking lending policies and procedures and general banking laws and regulations.
Ability to analyze and research financial statements, business plans, credit reports, debt ratios and loan to value information.
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
401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
Mental health benefits including coaching and therapy sessions
Zions Bancorporation, N.A. is one of the nation's premier financial services companies with annual net revenue of $2.9 billion in 2021 and more than $90 billion of total assets. Zions operates under local management teams and distinct brands in 11 western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The Bank is a consistent recipient of national and state-wide customer survey awards in small and middle-market banking, as well as a leader in public finance advisory services and Small Business Administration lending, ranking as the tenth largest provider in the U.S. of the SBA’s Paycheck Protection Program loans. In addition, Zions is included in the S&P 500 and NASDAQ Financial 100 indices.