• Commercial/Business Banking Underwriter:

    Zions Bancorporation (Ames, IA)


    Responsible for compilation of 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. Interprets outcome of analysis and prepares summary, recommendations and may make joint presentations with Relationship Manager (RM) to Credit Approvers on renewals and new loans submitted. Responsible for evaluating, analyzing and forming opinions for the approving or denying of commercial, commercial RE, and/or business banking loan applications. Responsible for spreading financial statements, identifying credit strengths and weaknesses, providing detailed and documented analysis of credit worthiness. Ensures 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. Responds to internal and external customer inquiries. Recommends exceptions based on findings. May work closely with Relationship Manager on the more complex aspects of loan structuring, including long term, fixed vs. variable rates, pre-payment penalty and other variables. May have authority to approve loans beyond the organizations guidelines. Senior most level may function as a lead and be responsible for second level approvals. Other duties as assigned.

     

    Req ID: 067284

    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.

     

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