Loan Risk Grade Analyst - Centerville - 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.
Zions Bancorporation is currently hiring an experienced Loan Grade Risk Analyst to join our team in our Centerville UT office!
Career Development:

• This position has a great opportunity for career development and advancement.
• We also offer Executive sponsored career development through Credit Foundations for those that qualify and continued learning through the Organization's Learning and Development Center.

• Responsible to provide Risk Grade for commercial loans of all sizes and types to commercial, agricultural, dealer, leasing and private services personnel.
• Assists field personnel in proper structuring of grading, source system data matching and exception clearing.
• Responsible for assessing the probability of default of the borrowers and guarantors, and loss given default of the specific loan.
• Based on analysis responsible to make recommendations and course of action to take with regards to loans.
• Works with the Risk Grade central processing to assist field commercial lending personnel with assessing the risk inherent in commercial loan transactions.
• Responsible to create new grading scenarios and update existing scenarios already in the system along with resolution of data mismatches between the Risk Grade application and the loan system where the loan is boarded.
• Provides grading of all loan types including commercial and industrial credits, commercial real estate, dealer flooring, leasing, non-profit, agricultural and individual borrowers (including reliant guarantor grading).
• Interact with lending personnel across Utah, Idaho and Colorado.
• Develop and maintain reports.
• Other duties as assigned.

• Requires a Bachelor's in business, finance, accounting or a related field
• 2+ years with credit analysis, data bases, risk analysis, statistical modeling and general commercial type lending or other directly related experience.
• A combination of education and experience may meet qualifications.
• Working knowledge of credit analysis, credit risk assessment, statistical modeling, accounting, spreadsheets, databases, statistical software and pc's.
• Knowledge of commercial type lending or loans.
• Ability to utilize statistical models to present business solutions.
• Ability to work with various department and vendors.
• Must have solid analytical, customer service and communication, both verbal and written.
• Knowledge of report writing and lending systems.