[Hiring] SBA Underwriter @Zions Bancorporation

Role Description

We are currently accepting applications for an SBA Underwriter. This position will be remote in AZ, CO, ID, NV, UT, and TX.

• Compile 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.
• Interpret outcome of analysis and prepare summary, recommendation, and may make joint presentations with Relationship Manager (RM) to Credit Approvers on renewals and new loans submitted.
• Evaluate, analyze and form opinions for the approving or denying of commercial, commercial RE, and/or business banking loan applications.
• Spread financial statements, identify credit strengths and weaknesses, provide detailed and documented analysis of credit worthiness.
• Ensure 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.
• Respond to internal and external customer inquiries.
• Perform other duties as needed.

Qualifications

• Requires a bachelor’s in finance, Business, Accounting or a related field and 1+ year commercial, commercial real estate credit or business banking underwriting, spread analysis, lending, underwriting concepts, practices and procedures or other directly related experience. *A combination of education and experience may meet qualifications.
• Basic knowledge of commercial, commercial RE and/or business banking credit underwriting, spread analysis, lending, underwriting concepts, practices and procedures.
• Basic knowledge of Business, C&I and CRE loan requirements with the ability to identify risk and mitigating factors related to conducting a thorough credit analysis for approval.
• Knowledge of balance sheets, income and cash flow statements.
• Good understanding of commercial and/or business 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.
• Possess good judgment, ability to make sound decisions.
• Ability to accept responsibility and handle confidential information.
• Must have good customer relations and communication skills.
• Must be a self-starter, dependable, accurate in completing responsibilities with strong attention to detail and organizational skills.
• Working knowledge of various related software applications, including spreadsheets, word processing, etc.

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, 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
• Salary (depending on location and experience): $65,000-$80,000