Senior examiner job description

Zions Bancorporation, N.A. is one of the nation's premier financial services companies, consisting of a collection of great banks with combined total assets exceeding $91 billion. Zions operates banking divisions under local management teams and community identities in 11 states. This Credit Examiner is responsible for planning and conducting commercial examinations to evaluate credit-related activities across and within divisions of the bank.

We are currently seeking a Sr. Credit Examiner to join our Commercial Examination team. This position will be in our Phoenix, Salt Lake City or Houston office.

This position is eligible to work from home with a flexible 3/2 work schedule (subject to periodic review).
We want to talk to you!

* Lead and assist in examinations reviewing all types of commercial, energy, and commercial real estate loans for the purposes of identifying potential credit risk problems, minimizing loan losses, and ensuring conformity with corporate policy.
* Identify credit and documentation risk, examine detailed financial data, and quickly identify evolving repayment risk patterns.
* Assess the credit risk process, accuracy of risk grades as well as clarity, justification, and accuracy of lending decisions.
* Communicate conclusions to management through oral and written examination reports with appropriate recommendations for corrective actions, when necessary.
* Follow up to review that approved recommendations are instituted and complied with.
* Tests for compliance with company policies, procedures, and banking regulations.
* Review credit files for financial sustainability, collateral and documentation accuracy, and proper monitoring of borrower requirements.
* Examine financial statements and spreads to review the ability to repay debt.
* Perform monthly or quarterly assessments of losses, risk grade changes, loan field approvals, and risk grade overrides.
* Minimal travel required, up to 10 days annually.
* Other duties as assigned.

Job Qualifications Knowledge:

* An in-depth knowledge of credit risk, accounting, audit procedures, and legal and regulatory requirements.
* Extensive knowledge of commercial and commercial real estate loan products, including: owner occupied real estate, investor real estate, construction, and commercial & industrial loans. E
* xhibit strong communication skills verbally and through written documents.
* Demonstrate ingenuity and creativity and problem-solving capabilities.
* Ability to identify credit risk issues and provide accurate conclusions and recommendations.
* Experience working with Microsoft Office, Excel, Word, and PowerPoint.

Qualifications:

* Requires a bachelor's degree in Business, Finance or a related field. MBA, RMA CRC, or another accreditation is preferred.
* 6-8 + years' experience performing credit analysis on lending products (commercial, commercial real estate, and energy) and conducting audit assessments or related experience is required.
* Portfolio management experience with a large bank is also beneficial.
* Bank regulator (commissioned) experience is preferred.
* Combination of education and experience may meet requirements.

Zions Bancorporation, N.A. is one of the nation's premier financial services companies, consisting of a collection of great banks with combined total assets exceeding $91 billion. Zions operates banking divisions under local management teams and community identities in 11 states. This Credit Examiner is responsible for planning and conducting commercial examinations to evaluate credit-related activities across and within divisions of the bank.

We are currently seeking a Sr. Credit Examiner to join our Commercial Examination team. This position will be in our Phoenix, Salt Lake City or Houston office.

This position is eligible to work from home with a flexible 3/2 work schedule (subject to periodic review).
We want to talk to you!

* Lead and assist in examinations reviewing all types of commercial, energy, and commercial real estate loans for the purposes of identifying potential credit risk problems, minimizing loan losses, and ensuring conformity with corporate policy.
* Identify credit and documentation risk, examine detailed financial data, and quickly identify evolving repayment risk patterns.
* Assess the credit risk process, accuracy of risk grades as well as clarity, justification, and accuracy of lending decisions.
* Communicate conclusions to management through oral and written examination reports with appropriate recommendations for corrective actions, when necessary.
* Follow up to review that approved recommendations are instituted and complied with.
* Tests for compliance with company policies, procedures, and banking regulations.
* Review credit files for financial sustainability, collateral and documentation accuracy, and proper monitoring of borrower requirements.
* Examine financial statements and spreads to review the ability to repay debt.
* Perform monthly or quarterly assessments of losses, risk grade changes, loan field approvals, and risk grade overrides.
* Minimal travel required, up to 10 days annually.
* Other duties as assigned.

Job Qualifications Knowledge:

* An in-depth knowledge of credit risk, accounting, audit procedures, and legal and regulatory requirements.
* Extensive knowledge of commercial and commercial real estate loan products, including: owner occupied real estate, investor real estate, construction, and commercial & industrial loans. E
* xhibit strong communication skills verbally and through written documents.
* Demonstrate ingenuity and creativity and problem-solving capabilities.
* Ability to identify credit risk issues and provide accurate conclusions and recommendations.
* Experience working with Microsoft Office, Excel, Word, and PowerPoint.

Qualifications:

* Requires a bachelor's degree in Business, Finance or a related field. MBA, RMA CRC, or another accreditation is preferred.
* 6-8 + years' experience performing credit analysis on lending products (commercial, commercial real estate, and energy) and conducting audit assessments or related experience is required.
* Portfolio management experience with a large bank is also beneficial.
* Bank regulator (commissioned) experience is preferred.
* Combination of education and experience may meet requirements.

A requirement of this position is that the employee must be fully vaccinated against COVID-19 or qualify for an accommodation from the Bank's vaccination policy. To provide for the health and safety of its employees and support the Bank's mission to the greatest extent possible, the Bank decided to adopt this requirement after careful review of public health information, workforce data, employee feedback, and the Federal Reserve System's pandemic recovery plans. The Bank requires all employees to be vaccinated fully against COVID-19 as a condition of employment.

The team conducts supervisory work on financial institutions and service providers locally and in the Federal Reserve System on topics related to cybersecurity, operational resilience, and emerging technology. As an examiner, you will:

• Provide operational resilience expertise to the 6th District supervisory teams and contribute to System efforts by leading and/or supporting supervisory events related to areas of expertise.

• Perform examinations and inspections of financial institutions and service providers to ensures compliance with applicable laws and regulations, and produce a comprehensive report of findings.

• Demonstrate balanced, well-reasoned judgement in decision making and effectively communicate with senior management and directors of supervised institutions under potentially adversarial circumstances.

• Analyze and evaluate operational and information technology risk management programs to include, corporate governance, corporate compliance, vendor management, policies/procedures/MIS, internal controls, and the quality of internal and external audit.

• May interact with senior executives to influence improvements to operational and IT risk management programs, controls, corporate governance practices, and overall bank safety and soundness.

• Contribute to the development of and participate in supervisory initiatives related to novel fintech activities and emerging technology including identifying industry trends, emerging risks, inter-connectiveness, and new banking technologies.

• Perform or assist in reviewing and editing work prepared by others for content, clarity and accuracy. Provide comments on regulatory proposals, develop procedures for use by field staff, review key financial reports and information from financial institutions and written communication to financial institutions.

• Provide guidance, training, and feedback to less experienced examiners. May serve as an instructor at formal schools and through on-the-job training.

• Provide subject matter expertise to contribute to the efforts of examination teams assessing the impact of Fintech innovation at supervised financial institutions.

• Contribute to the creation of reports on Fintech innovation, its impacts, and emerging trends on supervision and regulation for Reserve Bank and System use.

Education: Bachelor's Degree or 4 years equivalent experience; Bachelor's Degree preferred. Graduate level degrees a plus.

Travel: 25-40%

Experience: Sound understanding of day-to-day operations and information technology of financial institutions and experience in evaluating the adequacy of operational control processes. IT examination or other IT experience preferred. Experience working with fintech providers and emerging technology a plus. Commissioned Examiner or willingness to go through Examiner Commissioning Process required.

Knowledge Areas:

• Accounting and Finance

• Bank Examination

• Specialty Expertise

Technical Skills:

• Microsoft O365

• Examiner commissioning strongly preferred

Certifications/Licenses:

CISA, CISSP, CPT, CBA, or CIA designation a plus.

In addition to competitive compensation, our total rewards program offers benefits that are the best fit for you at every stage of your career:

• Annual tuition assistance,

• Generous paid time off

• Top-notch health care benefits

• Child and family care leave

• Professional development opportunities

• 401(k) match, pension, and more.

All brought together in a flexible work environment where you can truly find balance.

This is not necessarily an exhaustive list of all responsibilities, duties, performance standards or requirements, efforts, skills or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed when circumstances change (e.g., emergencies, rush jobs, change in workload or technological developments).

The Federal Reserve Bank of Atlanta is an equal opportunity employer

Full Time / Part Time Full time Regular / Temporary Regular Job Exempt (Yes / No) Yes Job Category Bank Examination Work Shift First (United States of America)

The Federal Reserve Banks believe that diversity and inclusion among our employees is critical to our success as an organization, and we seek to recruit, develop and retain the most talented people from a diverse candidate pool. The Federal Reserve Banks are committed to equal employment opportunity for employees and job applicants in compliance with applicable law and to an environment where employees are valued for their differences.

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