Business Bankcard Consumer Underwriter - (Remote Schedule)

Business Bankcard Consumer Underwriter Did you know that Zions Bancorporation is one of the nation’s premier financial services companies with total assets exceeding $70 billion? With local management teams at the helm in 11 western states, Zions is dedicated to making a difference in their local communities. At Zions, we haven’t forgotten who keeps us in business, meaning we’re committed to the success of our customers, and our employees. Here, the possibilities are endless – come for a job, stay for a career. This position is eligible for a remote, work from home schedule. The ideal candidate for the Business Bankcard Consumer Underwriter position will have the skills and experience necessary to fulfill the following responsibilities and qualifications: Responsible for various aspects of the credit workflow, including analyzing and decisioning of credits for underwritings.

Must have prior Small Business or Consumer Underwriting experience.

Duties may include compiling data and incorporating spreads, cash flow, value of collateral, appraisals, audits, & covenant tracking and testing.

Responsible for compilation of data and interprets outcomes of analysis and prepares summaries and recommendations.

Ensures all requests are processed in accordance with bank policies, regulations and laws.

Identifies risk and mitigating factors related to conducting a thorough credit analysis for approval.

Responsible and accountable for risk by elevating concerns and following policies and procedures.

May recommend exceptions based on finding.

Responds to affiliate banks, loan center and branch personnel on lending decisions and issues.

Delivers an optimal customer experience via timely and proactive communication and follow-up.

Higher level roles may act as a team lead, providing supervision of credit activities and reviewing credit status with individuals on a periodic basis.

Other duties as assigned.

Qualifications

Requires an associate’s degree and 1+ years’ experience with consumer or mortgage associated lending, credit reports and documentation or other directly related experience.

An equivalent combination of education and experience may meet qualification.

Basic knowledge of consumer/mortgage credit, credit reports, lending and underwriting concepts, practices and procedures.

Ability to review and analysis income, assets, credit documentation, credit reports, debt ratios and loan to value information.

Knowledge of federal and state laws and regulations relating to consumer lending. Ability to make sound decisions.

Must have good customer relations and communication skills, both verbal and written.

Ability to underwrite a high volume of loan applications maintaining accuracy and consistency.

Strong attention to detail.

Ability to handle confidential material in a professional manner.

Working knowledge of a various related software applications, including spreadsheets, word processing, etc.

Req ID: 059183Equal 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.

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