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Zions Bancorporation Small Business Credit Analyst in Las Vegas, Nevada

Small Business Credit Analyst

Description

Committedto our state since 1959, Nevada State Bank keeps a focus on customer service ofthe highest standards. We strive to attract and retain the best and thebrightest talent. Nevada State Bank is looking for colleagues who do the rightthing, present a can-do spirit, provide accountability, and act as financialspecialists. Our shared commitment to the Bank’s Open-Door core values shapeevery colleague’s attitude, response, and daily actions. Nevada State Bank, adivision of Zions Bancorporation, N.A., is a full-service bank offering acomplete range of consumer, private and business banking services with branchesserving 20 communities across the state of Nevada.

We are now accepting applicationsfor a Credit Analyst located with our Small Business team in Las Vegas, NV.

The ideal candidate for this position will have the skills and experience necessary to;

  • Conduct credit investigations, credit and loan analysis, underwriting and other documentation information 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.

  • Meet with and interviewing customers to develop a strong understanding of the loan request and the business relationship ensures the accuracy and completeness of financial information received for loan renewals.

  • Analyze financial statements and related material and makes recommendations for approvals of credits.

  • Analyze financial conditions and trends; reviews and reports non-compliance with loan covenants.

  • Determine cash flow using appropriate tax analysis.

  • Prepare summaries, presents facts, and offers opinions concerning credit-worthiness and any risk items or issues.

  • Provide credit information and references for customers, loan officers, or other agencies as requested.

  • Ensure that all credit files include current financial statements, agency reports, etc.

  • Make recommendations for loan structure (if needed).

  • Maintain control over current accounts, noting payment progress, watching for any developing problems, and keep loan officers informed.

  • Keep abreast of all new credit regulations and laws and ensures compliance with such.

  • Assist with projects as needed.

  • Perform other duties as assigned.

Qualifications

The Small Business Credit Analyst position requires;

  • Bachelor's in finance, business, accounting or a related field and 1 yrs credit/financial analysis, lending, underwriting or other directly related experience. (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.

What we will offer YOU is...

  • Competitive Pay

  • Paid Vacation and Holidays

  • Generous Benefits

  • AND MORE!

Primary Location Nevada-Las Vegas-NV - McCarran Center

The Power Finance Analyst will be responsible to:

Committedto our state since 1959, Nevada State Bank keeps a focus on customer service ofthe highest standards. We strive to attract and retain the best and thebrightest talent. Nevada State Bank is looking for colleagues who do the rightthing, present a can-do spirit, provide accountability, and act as financialspecialists. Our shared commitment to the Bank’s Open-Door core values shapeevery colleague’s attitude, response, and daily actions. Nevada State Bank, adivision of Zions Bancorporation, N.A., is a full-service bank offering acomplete range of consumer, private and business banking services with branchesserving 20 communities across the state of Nevada.

We are now accepting applicationsfor a Credit Analyst located with our Small Business team in Las Vegas, NV.

The ideal candidate for this position will have the skills and experience necessary to;

  • Conduct credit investigations, credit and loan analysis, underwriting and other documentation information 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.

  • Meet with and interviewing customers to develop a strong understanding of the loan request and the business relationship ensures the accuracy and completeness of financial information received for loan renewals.

  • Analyze financial statements and related material and makes recommendations for approvals of credits.

  • Analyze financial conditions and trends; reviews and reports non-compliance with loan covenants.

  • Determine cash flow using appropriate tax analysis.

  • Prepare summaries, presents facts, and offers opinions concerning credit-worthiness and any risk items or issues.

  • Provide credit information and references for customers, loan officers, or other agencies as requested.

  • Ensure that all credit files include current financial statements, agency reports, etc.

  • Make recommendations for loan structure (if needed).

  • Maintain control over current accounts, noting payment progress, watching for any developing problems, and keep loan officers informed.

  • Keep abreast of all new credit regulations and laws and ensures compliance with such.

  • Assist with projects as needed.

  • Perform other duties as assigned.

Qualifications

The Small Business Credit Analyst position requires;

  • Bachelor's in finance, business, accounting or a related field and 1 yrs credit/financial analysis, lending, underwriting or other directly related experience. (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.

What we will offer YOU is...

  • Competitive Pay

  • Paid Vacation and Holidays

  • Generous Benefits

  • AND MORE!

Work Locations Nevada-Las Vegas-NV - McCarran Center

CBT Small Business Lending

Req ID: 051399

Equal Opportunity Employer It is the policy of this corporation to provide equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, veteran status, sexual orientation, gender identity and expression or any other characteristic protected by applicable law. This policy is established and administered in accordance with all applicable federal, state, and local laws. If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for employment, please contact us at (801) 844-7628, Mon.-Fri. between 9 a.m. - 5 p.m. MST. Click here to view applicable Federal, State and/or local employment law posters.

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