Credit Analyst (Banking) – Biltmore/Phoenix (AZ) at Zions Bancorporation

Phoenix, Arizona, United States -

Full Time

Start Date

Immediate

Expiry Date

12 Jun, 26

Salary

0.0

Posted On

14 Mar, 26

Experience

0 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Analysis, Financial Analysis, Risk Evaluation, Lending, Underwriting, Financial Statement Spreading, Cash Flow Determination, Credit Investigation, Covenant Review, Loan Documentation Review, Credit Risk Assessment, Regulatory Compliance, Client Relationship Management, Communication, Decision Making, Spreadsheet Software

Industry

Banking

Description

At National Bank of Arizona, we’re a community of professionals with relationships at our core. We strive to promote an engaging environment with accessible leadership and on-going employee development. National Bank of Arizona was founded on the premise of building local relationships, we pride ourselves on providing our clients, shareholders and each other the best possible tools, resources and opportunities. Our workplace culture is based on inclusivity and collaboration, so we can give our customers as well as our employees the best possible environment to thrive. More than 40 years later, our approach hasn’t changed. At NBAZ, the possibilities are endless – come for the job, stay for a career. NBAZ is looking for a Credit Analyst to join Arizona’s #1 Community Bank in our Biltmore Corporate Office in Phoenix (AZ). Our Credit Analysts identify and evaluate financial, and other risks associated with our business customers. Our analysts enable sound credit decisions by providing extensive knowledge of financial and spread analysis, credit, lending, underwriting processes, and principles. Essential Functions: Conduct credit investigations, credit, and loan analysis, underwriting and other documentation review pertaining to loan analysis. Investigate all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches. Analyze financial conditions and trends, reviews, and reports non-compliance with loan covenants. Prepare summaries, presents facts, and offers opinions concerning creditworthiness and any risk items or issues. Spread customer financial statements. Complete on-going review of covenants and follow-up. Determine cash flow using appropriate financial analysis tools. Prepare cash flow analysis on personal tax returns. Provide frequent internal and external customer contact. May assist with projects as needed. Other duties as assigned. Qualifications: Bachelors in finance, business, accounting or a related field and 1+ yrs credit/financial analysis, lending, underwriting or other directly related experience preferred. A combination of education and experience may meet job requirements. Basic working knowledge of financial and spread analysis, credit, lending and underwriting processes and principles. Some experience working with various types of loans. Basic working knowledge of credit risk, legal and regulatory requirements. Ability to work with lending officers and staff. Good client relationship and communication skills, both verbal and written. Ability to make sound decisions and recommendations regarding loans. Working knowledge of computer software programs including spreadsheets, word processing, etc. required. Hours: Monday – Friday: 8:00am to 5:00pm. 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.

Responsibilities

The Credit Analyst will identify and evaluate financial and other risks associated with business customers by conducting credit investigations, loan analysis, and underwriting reviews. Essential functions include spreading customer financial statements, determining cash flow, and preparing summaries presenting opinions on creditworthiness and risk items.