Claims Quality Improvement Analyst - General Motors Insurance
Remote or Arlington, TX Job
Overview Why General Motors Insurance? At General Motors Insurance, we are building an Insurtech business that will reinvent auto insurance. We are fully owned and backed by auto industry leaders General Motors and GM Financial. This is a truly unique opportunity to join at the foundational stage of a start-up leading the transformation of the auto insurance experience.
GM has the largest connected vehicle fleet worldwide.
In the US alone, there are currently 9M+ connected GM vehicles on the road and that number is projected to triple in the next 10 years.
More than that, the OnStar system currently has access to over 900 data points from the vehicle.
This surge in information about vehicles and how they are driven will revolutionize auto insurance.
This disruption is backed by the bold GM vision of zero crashes, zero emissions and zero congestion.
We are serious about the safety and financial security of our customers.
This position will be posted until filled.
Responsibilities About the role The Claims Quality Improvement Analyst promotes quality claim management by facilitating file evaluation and performing detailed analyses of company data to quantify claims results.
This position collaborates with operations leaders and the Continuous Improvement Manager to determine optimal file results and ensure claim files are in regulatory compliance and meet best practices.
This position analyzes quantitative and qualitative business indicators, makes recommendations for continuous improvement, and makes technical decisions in accordance with delegated authority.
This position may be called upon to investigate trends across claim metrics through focus audits and analysis.
In this role, you will: Develop and execute the vision of the General Motors Insurance quality improvement function within the claims department, continuously improving, and enhancing this function in accordance with claims best practices and regulatory requirements Create and maintain file audit dashboards to educate Claims leadership on trends, performance, and opportunities for improvement Develop and implement automated systematic claims handling quality file review and audit processes Collaborate with claims leaders to develop and implement policies, standards, processes, controls, and related documentation of best practices, guidelines, and workflows to ensure a center of excellence within Claim Quality Improvement Develop and implement quality and compliance reviews of General Motors Insurance Company claims to ensure quality and appropriate service results, to drive best in class claims handling Develop meaningful, updated audit forms calibrated to claims best practices and current regulatory requirements, analyze audit results, reporting on the results, and developing post-audit management action plans to drive continuous improvement Monitor, coordinate, track, measure, and report to internal stakeholders trends, issues, opportunities, and analysis on file quality data Collaborate with Claims leadership and related internal stakeholders on training initiatives, job aids, guidelines to continuously improve claims handling quality and execution in support of team and individual professional growth and development Bring a solid understanding of compliance issues and regulatory environment in all project development and implementation Build and maintain key relationships with internal stakeholders (eg, Peers, Operations, Learning & Development, various executive management leaders) and external stakeholders (eg, auditors and vendors) Qualifications What makes you a dream candidate? Auto and Casualty Claim handling experience Claims Audit, Quality Improvement/Quality Assurance experience Must have extensive knowledge of claims processes and procedures along with overall knowledge of insurance industry Possess an understanding of Guidewire ClaimCenter Project management experience preferred Database proficiency desired The preferred candidate has an ongoing pursuit of analytical credentials Excellent written and oral communication skills needed Ability to analyze data to form general rules or conclusions Ability to understand and communicate regulatory requirements and develop claims best practices Ability to use relevant information and sound judgment to determine whether processes or decisions comply with regulations or standards Ability to work, coach, and mentor effectively in a team environment Ability to establish and maintain effective working relationships with others Analytical mindset and the ability to make data-driven decisions Experience High School Diploma or equivalent requireduired Bachelor's Degree in related field or equivalent work experience preferrederred 3+ years of experience with auto and/or casualty claims handling required 2+ years of experience in a claims compliance or claims quality role preferred Licenses AINS, AIS, CPCU, SCLA, or AIC preferred What We Offer: Generous benefits package available on day one to include: 401K matching, bonding leave for new parents (12 weeks, 100% paid), tuition assistance, training, GM employee auto discount, community service pay and nine company holidays.
Our Culture: Our team members define and shape our culture - an environment that welcomes innovative ideas, fosters integrity, and creates a sense of community and belonging.
Here we do more than work - we thrive.
Compensation: Competitive pay and bonus eligibility Work Life Balance: 100% remote #LI-TL1 Salary The base salary range for this role is: USD $60,900.
00 to $112,700.
00.
At GM Financial, we strive for transparency in all aspects of our business, including pay equity.
This is the GM Financial pay range for this role and job level.
The exact salary and compensation will vary based on factors like knowledge, skills, experience, and education.
This role is eligible to participate in a performance-based incentive plan.
Full time employees are eligible to participate in health benefits on day one of employment.
Fraud Investigator - UT, NV, AZ
Remote or Midvale, UT Job
Zions Bancorporation is one of the nation's premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker as one of the "Best Banks to Work For" and as having a top banking team in its list of "The Most Powerful Women in Banking." Our customers consistently vote us as the best bank in our local markets. We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a "local" business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers.
With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity.
We are currently seeking a Fraud Investigator to join our team. This position will be full time remote, working from in the Salt Lake City, Utah; Las Vegas, Nevada; or Phoenix, Arizona area.
What you'll do:
* Conducts financial crimes investigations of external and customer activity.
* Writes clear and concise reports in an accurate and timely manner.
* Communicates with branch, department managers, BSA Officers, and frontline groups as necessary, in researching and investigating cases.
* Makes recommendations for closing account relationships to the Investigations management. Escalates identified risks to team leadership.
* Uses various bank systems to conduct research of customer transaction activity including the case management system.
* Keeps current on fraud and BSA/AML investigative operations and the application of the BSA and USA PATRIOT Act requirements along with training requirements for the investigative role.
* Perform other duties as assigned.
Qualifications:
* A bachelor's degree in a related field or combination of investigative experience. Financial crime investigation experience preferred. A combination of education and experience may meet requirements.
* Relevant Professional Certification: Association of Certified Anti-Money Laundering Specialists (ACAMS), Associate of Certified Fraud Examiners (ACFE) or Association of Certified Financial Crime Specialists (ACFCS) is a plus.
* Basic working knowledge of fraud detection/prevention principals, BSA/AML Compliance as it applies to suspicious activity for money laundering, terrorist financing and fraud.
* Basic understanding of complex financial transactions and business relationships and relationships between business entities.
* Good understanding of bank operations as it relates to the flow of funds through financial institutions.
* Good understanding of fraud, AML and terrorist financing red flags related to the identification of suspicious activity.
* Ability to meet deadlines, work independently and adapt to changing priorities.
* Good analytical skills, customer service and communication skills, both verbal and written.
* Ability to manage deadlines, be organized, detail-oriented and high degree of accuracy.
* Ability to write and translate complex situations into easily understood narratives.
* Ability to be an independent thinker and to handle confidential, delicate and/or sensitive information or situations.
* Strong PC skills desired with an emphasis in MS Excel and Word.
This position is eligible to earn a base salary in the range of $44,625 to $65,450 annually depending on job-related factors such as level of experience and location
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, and any applicable state 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 enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire
* Employee Ambassador preferred banking products
F&I Account Manager - Dealer Products & Services (Baltimore, MD)
Washington, DC Job
Overview Why GM Protection Sales? GM Protection focuses on branded vehicle protection product sales as part of GM Financial, the wholly owned subsidiary and captive finance arm of General Motors. Our sales team spans the United States working with GM dealers on a variety of initiatives to drive product sales, customer loyalty, and profitability for the dealers and the brand.
As a trusted advisor, you will consult with various roles within GM dealerships and collaborate with internal partners to represent GM Financial and GM Protection.
If you are able to build relationships, have a heart and mind for service, communicate effectively, and enjoy a fast-paced variety in a challenging field-based role, this could be the right place for you.
If you would like to be a part of a company with an entrepreneurial spirit, join GM Protection's sales organization to develop your network and career with a stable, growing, global brand.
Position will remain open until filled.
Responsibilities About the role: You will continuously strengthen current dealer relationships and improve vehicle protection contract count through consistent, approved account development and management activities.
You will provide quality customer service by satisfying the business needs of the dealers, manufacturer partners, and GM Financial.
You are expected to deliver results as an F&I expert and trusted advisor to generate contracts through product knowledge, industry knowledge, and training demonstrations.
You will become an integral part of the value we bring to our GM dealers, as we provide real world retail experience and training from automotive professionals like you! In this role you will: Manage assigned dealer relationships within a geographic territory to achieve key objectives while offering support and service on all GM Protection products, initiatives, and systems.
Maintain effective communication with dealers and appropriate internal partners.
Be self-motivated with an ability to work both independently and collaboratively to drive change in your assigned market.
Qualifications What makes you a dream candidate? In-dealership one-on-one training and menu selling demonstrations, modeling the F&I sales process with dealers and customers Participate in new account acquisitions and dealer enrollments Demonstrate available reporting tools and dealer-facing systems Work to resolve dealership issues related to administration of the products Support and market all programs, systems, incentives, and rewards Identify and resolve dealer issues presenting excessive risk to GM Financial Promote a culture of teamwork, excellence, inclusion, and integrity Long-term mobility is beneficial for career development and advancement within the sales organization at GM Financial Experience: Bachelor's Degree strongly preferred, or extensive relevant experience 3-5 years of experience in the automotive industry, lending, or sales in related field required; in-dealership F&I experience strongly preferred A proven track record of quality sales performance and client satisfaction; B2B preferred Working Conditions: This role may require overnight travel within the assigned territory Responding to dealer communications outside of normal business hours What We Offer: Generous benefits package available on day one to include: 401K matching, bonding leave for new parents (12 weeks, 100% paid), tuition assistance, training, GM employee auto discount, community service pay and nine company holidays.
Our Culture: Our team members define and shape our culture - an environment that welcomes innovative ideas, fosters integrity, and creates a sense of community and belonging.
Here we do more than work - we thrive.
Compensation: Competitive salary, monthly commissions, and annual incentive; this role is eligible for phone/internet allowance and company vehicle program Work Life Balance: This is a field-based role, independent scheduling but face-to-face role meeting with multiple dealerships daily.
#LI-RB1 #GMFjobs Salary The base salary range for this role is: USD $60,900.
00 to $112,700.
00.
At GM Financial, we strive for transparency in all aspects of our business, including pay equity.
This is the GM Financial pay range for this role and job level.
The exact salary and compensation will vary based on factors like knowledge, skills, experience, and education.
This role is eligible to participate in a performance-based incentive plan.
Full time employees are eligible to participate in health benefits on day one of employment.
Loan Application Processor - (Remote)
Remote or Midvale, UT Job
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 a fully remote. The ideal candidate will reside within the Zions Bancorporation footprint.
The ideal candidate for the Loan Application Processor position will have the skills and experience necessary to:
· Ensure loan applications and supporting documentation are accurate and that the package is complete for loan application requests.
· Prepare loan packages for underwriting.
· Enter applications into the Loan Origination System, follows up with appropriate personnel for missing information on incomplete loan packages, and takes action on loan packages.
· Complete tasks to confirm loan packages meet decision channel methodology requirements, resolves non credit related application and credit bureau issues, and directs loan packages to the appropriate underwriting channel.
· Other duties as assigned.
Qualifications:
· Requires High School diploma or equivalent and some banking or loan or directly related experience.
· Limited use and/or application of basic principles, theories, and concepts.
· Basic knowledge of loan processing and loan systems.
· Must be accurate, detail oriented and have ability to multi-task.
· Must have good 10 key, data entry, pc and customer service skills.
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 Paid Federal Holidays, and any applicable state holidays
· Salary range - $15.14 to $22.21 depending on experience
· 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 enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire
· Employee Ambassador preferred banking products
Pipeline Relationship Banker - Northern VA Branches
Ashburn, VA Job
Thank you for your interest in joining our team! Please note that you are applying to the Relationship Banker pipeline requisition for our Northern VA Region which we use as a sourcing tool to keep your information on file. This allows us to reach out when a suitable position becomes available. As a result, it may take longer than usual to receive a response or update regarding your application.
Candidates with strong banking experience strongly preferred.
Overview:
Identifies customers' needs through the bank's retail sales process to provide proactive basic sales solutions through customer outreach for basic customer needs and/or refer complex customer needs to the appropriate team member/partner. Specializes in our branch customer experience through lobby management, servicing and sales interactions for retail and business customers.
Primary Responsibilities:
* Play key role in Relationship Management (customer assessments, profiling for sales opportunities, account opening and lead-focused outbound calling), Sales Process (profile/pre-call planning, outreach, appointment preparation, interaction/appointment, follow-up) and Risk Management (audit requirements, fraud prevention, Know Your Customer (KYC) and customer information profile (CIP)).
* Complete basic research on customer profiles in order to assess potential ways to add value to clients banking relationship and transition to needs to based discussion on financial goals
* Identify financial needs of customers and present all appropriate product and service options by working cooperatively with appropriate internal business partners.
* Proactively reach out to clients to via e-mail or phone to follow up and educate on value added products/services to address needs of clients
* Onboard new customers through customer outreach (regardless of available channel, and individual who opened account)
* Establish trust with existing clients through proactive outreach regularly
* Schedule preset appointments for the following week and hold appointments each week
* Adequately prepares for scheduled appointment before customer meeting (prepare for sales interactions with pre-call plan)
* Perform customer servicing interactions.
* Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
* Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
* Complete other related duties as assigned.
* Responsible for meeting and maintaining registration requirements under the Federal SAFE Act
Scope of Responsibilities:
The position is the focal point in the branch for sales, service and/or referral opportunities in support of overall branch goals and activity requirements.
The position is key driver of customer flow in the branch to support these activities.
The position services existing customers and grows the business through identifying sales opportunities with customers.
The position must stay current on operational, product, and system changes/enhancements, as well as demonstrate good risk management decisions to assist the branch in managing preventable losses and reduce fraudulent activity.
Education and Experience Required:
High school diploma or equivalent (GED) and a minimum of 2 years proven retail sales, call center, customer service and/or telesales experience
OR
A high school diploma or equivalent (GED) and a minimum of 1 year proven proactive sales experience.
Strong verbal communication and interpersonal skills
Proven ability to demonstrate exceptional customer service
Well-organized individual with time management and prioritization skills
Demonstrated financial services product knowledge
Ability to communicate with tact and diplomacy with internal and external customers
Proficient with internet user-level technology
Education and Experience Preferred:
Associates degree
Notary public license
Bilingual based on branch needs
Physical Requirements:
Ability to stand for long periods of time
Prolonged use of hands and fingers
Ability to lift light to heave objects weighing 5 lbs. to 30lbs
Ability to read fine print
Ability to interact with customers in an open face-to-face work environment
Ability to use fax, telephone system, copier and other communication tools
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $21.54 - $35.90 (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.
Location
Ashburn, Virginia, United States of America
SBA Underwriter
Remote or Midvale, UT Job
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 remote work schedule. The ideal candidate will reside within the footprint of Zions Bancorporation.
The ideal candidate for the SBA Underwriter position will have the skills and experience necessary to:
· Underwrite SBA guaranteed loan products, primarily 7a, Express, and 504 loans ensuring adherence to SBA SOP, bank policies, banking regulations and laws.
· Compile data as it relates to the preparation of credit packages (or pre-screens) incorporating spreads, cash flow, value of related collateral, appraisals, audits and other data.
· Interpret 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.
· Evaluate, analyze and form opinions for the approving or denying of commercial, commercial RE, and/or business banking loan applications.
· Spread financial statements, identify credit strengths and weaknesses, provide detailed and documented analysis of credit worthiness.
· Identify risk and mitigating factors related to conducting a thorough credit analysis for approval.
· Respond to internal and external customer inquiries.
· Recommend 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 organization's guidelines.
· Senior most level may function as a lead and be responsible for second level approvals.
· Other duties as assigned.
Required Qualifications:
· Requires a Bachelor's in Finance, Business, Accounting or a related field and 1+ year commercial, commercial real estate credit or small business underwriting, spread analysis, lending, underwriting concepts, practices and procedures or other directly related experience.
· A combination of education and experience may meet qualifications.
· Basic knowledge of commercial, commercial RE and/or small business credit underwriting, spread analysis, lending, underwriting concepts, practices and procedures.
· Basic knowledge of C&I and CRE loan requirements with the ability to identify risk and mitigating factors related to conducting a thorough credit analysis for approval. Knowledge of balance sheets, income and cash flow statements.
IT Infrastructure Manager
Remote or Midvale, UT Job
Zions Bancorporation's Enterprise Technology and Operations (ETO) team is transforming what it means to work for a financial institution. With a commitment to technology and innovation, we have been providing our community, clients and colleagues with the best experience possible for over 150 years. Help us transform our workforce of the future, today.
We are seeking an IT Infrastructure Manager to join Zions Bancorporation. The IT Infrastructure Manager plays a key role in our infrastructure team and broader technology organization.
The IT Infrastructure Manager will work with infrastructure leaders and engineers, Enterprise Architects, Information Security teams, banking system owners, and other technology stakeholders to support and deliver mission-critical services. You will cultivate partnerships with various technology teams and enterprise information security to evolve our capabilities in areas like cloud enablement, system resiliency, and automation. Your team will design, develop, configure, test, and support technology solutions in support of divisional and enterprise objectives and key results (OKR).
Responsibilities:
* Lead the team in support of critical business functions to meet organizational objectives.
* Guide the team toward a journey to cloud principles and cloud-based infrastructure solutions.
* Cultivate relationships with all stakeholders including business, technology, risk, supply chain and operations.
* Ensure the uptime and availability of the enterprise network infrastructure through proactive management of suppliers, hardware, software, monitoring systems and datacenter operations.
* Ensure the team has the needed technical skills, competencies, business domain expertise, process knowledge, industry sector knowledge, and capacity to achieve organizational goals and objectives.
* Manage vendor relationships, as needed, ensuring the vendors' performance and contributions align with organizational objectives and strategy.
* Manage the total cost of ownership of the team including hardware, software, FTE and contractors, and professional services (responsible for P&L of cost center).
* Serve as Product Owner/Project Manager (POPM) through Agile/Kanban-style value delivery system.
* Other duties as assigned (including supporting On-call activities and change management responsibilities outside of normal business hours).
Qualifications:
* 6+ years' experience in infrastructure network domain including interacting with relevant vendors (Cisco/Meraki, Arista, Palo Alto).
* Bachelor's degree in Computer Science, Information Systems or other related degree. Professional Certifications (ex. CompTIA Network+, CCNA, etc.) are highly desired.
* Familiarity with cloud ready and cloud native contexts, both using on-prem technologies as well as public cloud service (e.g. Azure, AWS, IBM, GCP) is a plus.
* Excellent analytical, interpersonal and communication skills, both verbal and written. Must be able to communicate effectively with senior business and technical management, vendors, and team members.
* Proven ability to identify, analyze and solve network connectivity problems through close attention to detail.
* Excellent leadership, management, and organizational skills.
* Strong working knowledge of financial/banking systems is a plus.
Location:
This position has a hybrid work from home schedule with a minimum of four days per week in the office at the new Zions Technology Center in Midvale, UT.
The Zions Technology Center is a 400,000-square-foot technology campus in Midvale, Utah. Located on the former Sharon Steel Mill superfund site, the sustainably built campus will be the company's primary technology and operations center. This modern and environmentally friendly technology center will enable Zions to continue to compete for the best technology talent in the state while providing team members with an exceptional work environment with features such as:
* Electric vehicle charging stations and close proximity to Historic Gardner Village UTA TRAX station.
* At least 75% of the building is powered by on-site renewable solar energy.
* Access to outdoor recreation, parks, trails, shareable bikes and locker rooms.
* Large modern cafe with a healthy and diverse menu.
* Healthy indoor environment with ample natural light and fresh air.
* LEED-certified sustainable building that features include the use of low VOC-emitting construction materials.
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
Apply now if you have a passion for impactful outcomes, enjoy working collaboratively with co-workers, and want to make a difference for the clients and communities we serve.
Web Application Developer
Remote or Midvale, UT Job
Zions Bancorporation's Enterprise Technology and Operations (ETO) team is transforming what it means to work for a financial institution. With a commitment to technology and innovation, we have been providing our community, clients and colleagues the best experience possible for over 150 years. Help us transform our workforce of the future, today.
We are seeking a Web Application Developer (Salesforce Marketing Cloud) to join Zions Bancorporation. The Web Application Developer will be part of the Public Web Site team where we support the Enterprise Digital Marketing team by developing public facing websites for Zions and supporting Salesforce Marketing Cloud. The Web Application Developer will have strong web development and software development experience and will play a key role in developing features and enhancements related to public websites, marketing campaigns and journeys, and other marketing initiatives. These initiatives align with our Enterprise Strategy for acquiring new customers and growing our business.
The Web Application Developer will:
+ Participate in the software design, development, and implementation in Salesforce Marketing Cloud (SFMC) based on business requirements.
+ Design and implement software integrations between SFMC and Adobe Experience Manager.
+ Support and develop API integrations.
+ Provide strong testing and debugging skills at all levels, including unit, system, integration and performance testing.
+ Assist in the conceptual and technical design, using object-oriented design techniques and SFMC best practices.
+ Assist with the estimation of development tasks, project planning, risk identification and mitigation planning.
+ Independently collaborate with design and subject matter teams and business owners as needed during the design and implementation.
+ Independently manage individual time and tasks.
Qualifications:
+ A bachelor's degree in computer science or related field and 4+ years of experience in professional software development
+ Strong web development and software development experience with a focus on frontend.
+ Knowledge and experience with HTML, CSS, JavaScript, SSJS, Maven, Git, REST/SOAP, databases, Microservices, JSON, XML and React
+ Hands-on experience in SFMC development, such as Email Studio, Ampscript, Journeys, Mobile Studio, and Automations is a plus but not required.
+ Must have strong analytical, organizational, communication and interpersonal skills.
+ Ability to identify and solve problems and meet deadlines; be proactive, have high degree of initiative, accountability and responsibility.
+ Ability to work independently in a distributed/remote environment.
+ Experience with one or more Java concepts and patterns including: Java/J2EE, JSP, Sling, JMS, JUnit, IntelliJ.
+ Understanding of project automation technologies: Jira, Devops and general CI/CD methodology.
+ Exposure to Adobe Experience Manager (Sites, Assets).
+ Basic understanding of multiple web and application tier technologies: Tomcat, Apache Http, Solr, Containers, Content Delivery Networks (CDN).
Location:
This position has a hybrid work from home schedule with a minimum of three days per week in the office at the new Zions Technology Center in Midvale, UT.
*Local candidates only at this time. This position is not authorized for relocation assistance.
The Zions Technology Center is a 400,000-square-foot technology campus in Midvale, Utah. Located on the former Sharon Steel Mill superfund site, the sustainably built campus will be the company's primary technology and operations center. This modern and environmentally friendly technology center will enable Zions to continue to compete for the best technology talent in the state while providing team members with an exceptional work environment with features such as:
+ Electric vehicle charging stations and close proximity to Historic Gardner Village UTA TRAX station.
+ At least 75% of the building is powered by on-site renewable solar energy.
+ Access to outdoor recreation, parks, trails, shareable bikes and locker rooms.
+ Large modern cafe with a healthy and diverse menu.
+ Healthy indoor environment with ample natural light and fresh air.
+ LEED-certified sustainable building that features include the use of low VOC-emitting construction materials.
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
+ Additional benefits specific to department if wanted
Apply now if you have a passion for impactful outcomes, enjoy working collaboratively with co-workers, and want to make a difference for the clients and communities we serve.
Req ID: 067117
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 **************, Mon.-Fri. between 9 a.m. - 5 p.m. MST.
Click here to view applicable Federal, State and/or local employment law posters.
Loan Disbursement Specialist - Salt Lake City, UT (Hybrid)
Remote or Salt Lake City, UT Job
Zions Bancorporation is one of the nation's premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker as one of the "Best Banks to Work For" and as having a top banking team in its list of "The Most Powerful Women in Banking." Our customers consistently vote us as the best bank in our local markets., We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a "local" business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers.
With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity.
We are currently seeking a Loan Disbursement Specialist to join our Construction Disbursements Team. This position offers a hybrid work schedule and is located in downtown Salt Lake City, Utah.
The Construction Disbursement Administration (CDA) group is responsible for managing roughly 200 commercial construction projects simultaneously. We work with multiple departments around the Bancorp to ensure that construction is progressing properly and all agreements within the loan documentation are being followed by all parties. We have currently switched to a new construction monitoring system and are working to streamline and improve our processes in all aspects of construction monitoring. The Salt Lake City group works closely with one another and we maintain a collaborative mentality when monitoring the construction loans assigned to us. We are looking for someone who is willing to work hard and jump in with both feet into our team and help us maintain our high standards of service within the department.
The Disbursement Specialist will:
* Review, analyze and process customer loan draws for commercial and residential construction projects, loan fund disbursements, equity draws, etc., including review of invoices, lien waivers, and budget.
* Prepare payoff quotes, credit bids, default letters and loan modifications.
* Schedule and direct pre-construction discussion with Borrower, Builder, and RM when requested.
* Administer participation loans, coordinate with participating/lead bank(s).
* Order, input, and review inspection reports.
* Updates and maintains various reports and ticklers for loan maintenance.
* Assists with and may serve as liaison with lenders, loan administration, and outside vendors.
* Monitor and may process interest rate changes.
* Review loans for past due status, insurance coverage, tickler exceptions, etc.
* Ensure loan administration is consistent with loan documents, bank and department policies and procedures.
* Other duties as assigned.
Requirements:
* 1+ yrs experience with commercial, real estate, construction or loan servicing process and procedures, loan documentation or processing or other directly related experience.
* Working knowledge of lending disbursement processes, procedures and loan documentation.
* Working knowledge of standard construction budget and loan servicing practices and techniques.
* Must have solid audit, problem solving, data entry and customer service skills.
* Ability to review and process data per loan documentation.
* Good time management and organizational skills.
* Must be accurate, detail oriented and able to multi-task.
* Solid communication skills, both verbal and written.
* Working knowledge of computer software programs such as word, excel, etc.
* Requires High School Degree or Equivalent
* A combination of education and experience may meet job requirements.
Location:
This position has a hybrid work from home schedule with a minimum of three days per week in the office. This position is located in downtown Salt Lake City, UT.
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
Apply now if you have a passion for impactful outcomes, enjoy working collaboratively with co-workers, and want to make a difference for the clients and communities we serve.
Technology Service Owner
Remote or Midvale, UT Job
Zions Bancorporation's Enterprise Technology and Operations (ETO) team is transforming what it means to work for a financial institution. With a commitment to technology and innovation, we have been providing our community, clients and colleagues the best experience possible for over 150 years. Help us transform our workforce of the future, today.
We are currently seeking an experienced Technology Service Owner to join our Paper and Electronic Payments Team. This Technology Service Owner will be responsible for supporting our Wires applications that create simple and delightful experiences for our customers.
The Engineering and Core Services organization is at the heart of innovation at Zions Bancorporation. We continually modernize on many of Zions' key banking applications and its banking core. In addition to application development, we manage the key platforms, services, and processes which enable modernized engineering and IT operations and delivery through DevOps and lean principles. Ensuring scalable, quality, innovative solutions for our teams and our customers is integral to what we do. Come join us in transforming engineering and banking software!
The Technology Service Owner will:
Configure installed software on all environments and perform configuration, tuning and prepare and update application documentation.
Support various system functions including incident, change, system, and project management.
Coordinate issue resolution and validation of service restored.
Assist in troubleshooting applications, servers, transmissions, and firewall access issues.
Work with vendors as needed to resolve issues.
Provide application and infrastructure monitoring and coordinate with enterprise management and business unit on assigning and updating alerts.
24 X 7 on-call responsibilities for various applications.
Perform other duties as assigned.
Qualifications:
Experience in system administration of UNIX/Linux/RHEL and Windows operating systems.
Working knowledge of business systems and applications, incident and change management, project and systems management.
Working knowledge of department specific processes and procedures.
Requires solid organizational, trouble shooting, and problem solution skills.
Excellent analytical, interpersonal and communication skills, both verbal and written.
Must be able to communicate effectively with senior business and technical management, vendors, and team members.
Requires a Bachelor's in computer science, Information Systems, Business Administration, or other related field and 4+ years' experience in business systems analysis, processes, procedures, project management, multiple technologies, frameworks, or other directly related experience. A combination of education and experience may meet requirements.
Knowledge or familiarity with the following areas and systems will be a plus: Wire Transfers with ACI MTS and UPF, SWIFT, RTP with FIS OPF and ACH with FISERV PEP+.
Location:
This position has a hybrid work from home schedule with a minimum of three days per week in the office at the Zions Technology Center in Midvale, UT.
The Zions Technology Center is a 400,000-square-foot technology campus in Midvale, Utah. Located on the former Sharon Steel Mill superfund site, the sustainably built campus will be the company's primary technology and operations center. This modern and environmentally friendly technology center will enable Zions to continue to compete for the best technology talent in the state while providing team members with an exceptional work environment with features such as:
Electric vehicle charging stations and close proximity to Historic Gardner Village UTA TRAX station.
At least 75% of the building is powered by on-site renewable solar energy.
Access to outdoor recreation, parks, trails, shareable bikes and locker rooms.
Large modern cafe with a healthy and diverse menu.
Healthy indoor environment with ample natural light and fresh air.
LEED-certified sustainable building that features include the use of low VOC-emitting construction materials.
Benefits:
Medical, Dental and Vision Insurance - START DAY ONE!
Life and Disability Insurance, Paid Parent Leave and Adoption Assistance
Health Saving (HAS), 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
Apply now if you have a passion for impactful outcomes, enjoy working collaboratively with co-workers, and want to make a difference for the clients and communities we serve.
Software Engineer
Remote or Salt Lake City, UT Job
Zions Bancorporation's Enterprise Technology and Operations (ETO) team is transforming what it means to work for a financial institution. With a commitment to technology and innovation, we have been providing our community, clients and colleagues the best experience possible for over 150 years. Help us transform our workforce of the future, today.
Our Data Engineering & Technology Strategy team is currently looking for an experience Software Engineer. This Software Engineer will be an integral part of the team and will help establish and implement migration patterns for our Data Lake Modernization project.
Responsibilities:
* Play key role in establishing and implementing migration patterns for the Data Lake Modernization project.
* Actively migrate use cases from our on-premises Data Lake to Databricks on GCP.
* Collaborate with Product Management and business partners to understand use case requirements and reporting.
* Adhere to internal development best practices/lifecycle (e.g. Testing, Code Reviews, CI/CD, Documentation).
* Document and showcase feature designs/workflows.
* Participate in team meetings and discussions around product development.
* Stay up to date on industry latest industry trends and design patterns.
* Other duties as assigned.
Requirements:
* 4+ years. Development experience with Spark (PySpark), Python and SQL.
* Extensive knowledge building data pipelines.
* Direct experience with Databricks.
* Experience with Git.
* Experience developing on Linux OS.
* Experience with scheduling and orchestration (e.g. airflow, prefect, dagster, control-m).
* Solid understanding of distributed systems, data structures, design principles.
* Comfortable communicating with teams via showcases/demos.
* Agile Development Methodologies (e.g. SAFe, Kanban, Scrum).
* Requires a bachelor's in computer science, Computer Engineering, Math or equivalent and 6+ yrs of experience in modern programming languages, building APIs and services, orchestrating applications, build automation technologies or other directly related experience.
* A combination of education and experience may meet job requirements.
Plus:
* 3+ years experience with GIT.
* 3+ years experience with CI/CD (e.g. Azure Pipelines).
* Experience with streaming technologies, such as Kafka, Spark.
* Experience building applications on Docker and Kubernetes.
* Cloud experience (e.g. Azure, Google).
Visa Sponsorship:
This Data Engineer position is currently not eligible for employment visa sponsorship (e.g., H-1B visa). This includes, for example, situations where a candidate may have temporary work authorization while enrolled in school or upon graduation (e.g., CPT, OPT) but would need H-1B visa sponsorship within a few years of employment in order to maintain employment eligibility.
Location:
This position has a hybrid work from home schedule with a minimum of 3 days per week in the office at the new Zions Technology Center in Midvale, UT.
The Zions Technology Center is a 400,000-square-foot technology campus in Midvale, Utah. Located on the former Sharon Steel Mill superfund site, the sustainably built campus will be the company's primary technology and operations center. This modern and environmentally friendly technology center will enable Zions to continue to compete for the best technology talent in the state while providing team members with an exceptional work environment with features such as:
* Electric vehicle charging stations and close proximity to Historic Gardner Village UTA TRAX station.
* At least 75% of the building is powered by on-site renewable solar energy.
* Access to outdoor recreation, parks, trails, shareable bikes and locker rooms.
* Large modern cafe with a healthy and diverse menu.
* Healthy indoor environment with ample natural light and fresh air.
* LEED-certified sustainable building that features include the use of low VOC-emitting construction materials.
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
Pipeline Relationship Banker - Northern VA Branches
Ashburn, VA Job
**_Thank you for your interest in joining our team! Please note that you are applying to the Relationship Banker pipeline requisition for our Northern VA Region which we use as a sourcing tool to keep your information on file. This allows us to reach out when a suitable position becomes available. As a result, it may take longer than usual to receive a response or update regarding your application._**
**Candidates with strong banking experience strongly preferred.**
**Overview:**
Identifies customers' needs through the bank's retail sales process to provide proactive basic sales solutions through customer outreach for basic customer needs and/or refer complex customer needs to the appropriate team member/partner. Specializes in our branch customer experience through lobby management, servicing and sales interactions for retail and business customers.
**Primary Responsibilities:**
+ Play key role in Relationship Management (customer assessments, profiling for sales opportunities, account opening and lead-focused outbound calling), Sales Process (profile/pre-call planning, outreach, appointment preparation, interaction/appointment, follow-up) and Risk Management (audit requirements, fraud prevention, Know Your Customer (KYC) and customer information profile (CIP)).
+ Complete basic research on customer profiles in order to assess potential ways to add value to clients banking relationship and transition to needs to based discussion on financial goals
+ Identify financial needs of customers and present all appropriate product and service options by working cooperatively with appropriate internal business partners.
+ Proactively reach out to clients to via e-mail or phone to follow up and educate on value added products/services to address needs of clients
+ Onboard new customers through customer outreach (regardless of available channel, and individual who opened account)
+ Establish trust with existing clients through proactive outreach regularly
+ Schedule preset appointments for the following week and hold appointments each week
+ Adequately prepares for scheduled appointment before customer meeting (prepare for sales interactions with pre-call plan)
+ Perform customer servicing interactions.
+ Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
+ Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
+ Complete other related duties as assigned.
+ Responsible for meeting and maintaining registration requirements under the Federal SAFE Act
**Scope of Responsibilities:**
The position is the focal point in the branch for sales, service and/or referral opportunities in support of overall branch goals and activity requirements.
The position is key driver of customer flow in the branch to support these activities.
The position services existing customers and grows the business through identifying sales opportunities with customers.
The position must stay current on operational, product, and system changes/enhancements, as well as demonstrate good risk management decisions to assist the branch in managing preventable losses and reduce fraudulent activity.
**Education and Experience Required:**
High school diploma or equivalent (GED) and a minimum of 2 years proven retail sales, call center, customer service and/or telesales experience
OR
A high school diploma or equivalent (GED) and a minimum of 1 year proven proactive sales experience.
Strong verbal communication and interpersonal skills
Proven ability to demonstrate exceptional customer service
Well-organized individual with time management and prioritization skills
Demonstrated financial services product knowledge
Ability to communicate with tact and diplomacy with internal and external customers
Proficient with internet user-level technology
**Education and Experience Preferred:**
Associates degree
Notary public license
Bilingual based on branch needs
**Physical Requirements:**
Ability to stand for long periods of time
Prolonged use of hands and fingers
Ability to lift light to heave objects weighing 5 lbs. to 30lbs
Ability to read fine print
Ability to interact with customers in an open face-to-face work environment
Ability to use fax, telephone system, copier and other communication tools
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $21.54 - $35.90 (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.
**Location**
Ashburn, Virginia, United States of America
M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.
Fraud Investigator - UT, NV, AZ
Remote or Midvale, UT Job
Zions Bancorporation is one of the nation's premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker as one of the “Best Banks to Work For” and as having a top banking team in its list of “The Most Powerful Women in Banking.” Our customers consistently vote us as the best bank in our local markets. We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a “local” business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers.
With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity.
We are currently seeking a Fraud Investigator to join our team. This position will be full time remote, working from in the Salt Lake City, Utah; Las Vegas, Nevada; or Phoenix, Arizona area.
What you'll do:
· Conducts financial crimes investigations of external and customer activity.
· Writes clear and concise reports in an accurate and timely manner.
· Communicates with branch, department managers, BSA Officers, and frontline groups as necessary, in researching and investigating cases.
· Makes recommendations for closing account relationships to the Investigations management. Escalates identified risks to team leadership.
· Uses various bank systems to conduct research of customer transaction activity including the case management system.
· Keeps current on fraud and BSA/AML investigative operations and the application of the BSA and USA PATRIOT Act requirements along with training requirements for the investigative role.
· Perform other duties as assigned.
Qualifications:
· A bachelor's degree in a related field or combination of investigative experience. Financial crime investigation experience preferred. A combination of education and experience may meet requirements.
· Relevant Professional Certification: Association of Certified Anti-Money Laundering Specialists (ACAMS), Associate of Certified Fraud Examiners (ACFE) or Association of Certified Financial Crime Specialists (ACFCS) is a plus.
· Basic working knowledge of fraud detection/prevention principals, BSA/AML Compliance as it applies to suspicious activity for money laundering, terrorist financing and fraud.
· Basic understanding of complex financial transactions and business relationships and relationships between business entities.
· Good understanding of bank operations as it relates to the flow of funds through financial institutions.
· Good understanding of fraud, AML and terrorist financing red flags related to the identification of suspicious activity.
· Ability to meet deadlines, work independently and adapt to changing priorities.
Loan Disbursement Specialist - Salt Lake City, UT (Hybrid)
Remote or Salt Lake City, UT Job
Zions Bancorporation is one of the nation's premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker as one of the “Best Banks to Work For” and as having a top banking team in its list of “The Most Powerful Women in Banking.” Our customers consistently vote us as the best bank in our local markets., We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a “local” business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers.
With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity.
We are currently seeking a Loan Disbursement Specialist to join our Construction Disbursements Team. This position offers a hybrid work schedule and is located in downtown Salt Lake City, Utah.
The Construction Disbursement Administration (CDA) group is responsible for managing roughly 200 commercial construction projects simultaneously. We work with multiple departments around the Bancorp to ensure that construction is progressing properly and all agreements within the loan documentation are being followed by all parties. We have currently switched to a new construction monitoring system and are working to streamline and improve our processes in all aspects of construction monitoring. The Salt Lake City group works closely with one another and we maintain a collaborative mentality when monitoring the construction loans assigned to us. We are looking for someone who is willing to work hard and jump in with both feet into our team and help us maintain our high standards of service within the department.
The Disbursement Specialist will:
Review, analyze and process customer loan draws for commercial and residential construction projects, loan fund disbursements, equity draws, etc., including review of invoices, lien waivers, and budget.
Prepare payoff quotes, credit bids, default letters and loan modifications.
Schedule and direct pre-construction discussion with Borrower, Builder, and RM when requested.
Administer participation loans, coordinate with participating/lead bank(s).
Order, input, and review inspection reports.
Updates and maintains various reports and ticklers for loan maintenance.
Assists with and may serve as liaison with lenders, loan administration, and outside vendors.
Monitor and may process interest rate changes.
Review loans for past due status, insurance coverage, tickler exceptions, etc.
Ensure loan administration is consistent with loan documents, bank and department policies and procedures.
Other duties as assigned.
Requirements:
1+ yrs experience with commercial, real estate, construction or loan servicing process and procedures, loan documentation or processing or other directly related experience.
Working knowledge of lending disbursement processes, procedures and loan documentation.
Working knowledge of standard construction budget and loan servicing practices and techniques.
Must have solid audit, problem solving, data entry and customer service skills.
Ability to review and process data per loan documentation.
Good time management and organizational skills.
Must be accurate, detail oriented and able to multi-task.
Solid communication skills, both verbal and written.
Working knowledge of computer software programs such as word, excel, etc.
Requires High School Degree or Equivalent
A combination of education and experience may meet job requirements.
Location:
This position has a hybrid work from home schedule with a minimum of three days per week in the office. This position is located in downtown Salt Lake City, UT.
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
Apply now if you have a passion for impactful outcomes, enjoy working collaboratively with co-workers, and want to make a difference for the clients and communities we serve.
SBA Underwriter - Remote
Remote or Midvale, UT Job
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 remote work schedule. The ideal candidate will reside within the footprint of Zions Bancorporation.
The ideal candidate for the SBA Underwriter position will have the skills and experience necessary to:
· Underwrite SBA guaranteed loan products, primarily 7a, Express, and 504 loans ensuring adherence to SBA SOP, bank policies, banking regulations and laws.
· Compile data as it relates to the preparation of credit packages (or pre-screens) incorporating spreads, cash flow, value of related collateral, appraisals, audits and other data.
· Interpret 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.
· Evaluate, analyze and form opinions for the approving or denying of commercial, commercial RE, and/or business banking loan applications.
· Spread financial statements, identify credit strengths and weaknesses, provide detailed and documented analysis of credit worthiness.
· Identify risk and mitigating factors related to conducting a thorough credit analysis for approval.
· Respond to internal and external customer inquiries.
· Recommend 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 organization's guidelines.
· Senior most level may function as a lead and be responsible for second level approvals.
· Other duties as assigned.
Required Qualifications:
· Requires a Bachelor's in Finance, Business, Accounting or a related field and 1+ year commercial, commercial real estate credit or small business underwriting, spread analysis, lending, underwriting concepts, practices and procedures or other directly related experience.
· A combination of education and experience may meet qualifications.
· Basic knowledge of commercial, commercial RE and/or small business credit underwriting, spread analysis, lending, underwriting concepts, practices and procedures.
· Basic knowledge of C&I and CRE loan requirements with the ability to identify risk and mitigating factors related to conducting a thorough credit analysis for approval. Knowledge of balance sheets, income and cash flow statements.
· Good understanding of commercial and/or small business lending policies and procedures and general banking laws and regulations.
· Ability to analysis and research financial statements, business plans, credit reports, debt ratios and loan to value information.
· Possess good judgment, ability to make sound decisions.
· Ability to accept responsibility and handle confidential information.
· Must have good customer relations and communication skills.
· Must be a self-starter, dependable, accurate in completing responsibilities with strong attention to detail and organizational skills.
· Working knowledge of various related software applications, including spreadsheets, word processing, etc.
Preferred Qualifications:
· Knowledge of the SBA SOP (Standard Operating Procedures).
· 3+ years of direct SBA underwriting experience including 7a, Express, and 504 loans.
· Experience underwriting commercial loans with a construction component (i.e. - ground-up construction, building expansion, tenant improvements).
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
· Salary Range - Depending on experience
§ Level II - $55,500 to $81,400
§ Level III - $65,625 to $96,250
§ Level IV - $78,375 to $114,950
· Mental health benefits including coaching and therapy sessions
· Tuition Reimbursement for qualifying employees
· Employee Ambassador preferred banking products
· Employees may, at the company's discretion, be eligible to receive a cash bonus award
Req ID: 066879
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 **************, Mon.-Fri. between 9 a.m. - 5 p.m. MST.
Click here to view applicable Federal, State and/or local employment law posters.
IT Infrastructure Manager
Remote or Midvale, UT Job
Zions Bancorporation's Enterprise Technology and Operations (ETO) team is transforming what it means to work for a financial institution. With a commitment to technology and innovation, we have been providing our community, clients and colleagues with the best experience possible for over 150 years. Help us transform our workforce of the future, today.
We are seeking an IT Infrastructure Manager to join Zions Bancorporation. The IT Infrastructure Manager plays a key role in our infrastructure team and broader technology organization.
The IT Infrastructure Manager will work with infrastructure leaders and engineers, Enterprise Architects, Information Security teams, banking system owners, and other technology stakeholders to support and deliver mission-critical services. You will cultivate partnerships with various technology teams and enterprise information security to evolve our capabilities in areas like cloud enablement, system resiliency, and automation. Your team will design, develop, configure, test, and support technology solutions in support of divisional and enterprise objectives and key results (OKR).
Responsibilities :
+ Lead the team in support of critical business functions to meet organizational objectives.
+ Guide the team toward a journey to cloud principles and cloud-based infrastructure solutions.
+ Cultivate relationships with all stakeholders including business, technology, risk, supply chain and operations.
+ Ensure the uptime and availability of the enterprise network infrastructure through proactive management of suppliers, hardware, software, monitoring systems and datacenter operations.
+ Ensure the team has the needed technical skills, competencies, business domain expertise, process knowledge, industry sector knowledge, and capacity to achieve organizational goals and objectives.
+ Manage vendor relationships, as needed, ensuring the vendors' performance and contributions align with organizational objectives and strategy.
+ Manage the total cost of ownership of the team including hardware, software, FTE and contractors, and professional services (responsible for P&L of cost center).
+ Serve as Product Owner/Project Manager (POPM) through Agile/Kanban-style value delivery system.
+ Other duties as assigned (including supporting On-call activities and change management responsibilities outside of normal business hours).
Qualifications:
+ 6+ years' experience in infrastructure network domain including interacting with relevant vendors (Cisco/Meraki, Arista, Palo Alto).
+ Bachelor's degree in Computer Science, Information Systems or other related degree. Professional Certifications (ex. CompTIA Network+, CCNA, etc.) are highly desired.
+ Familiarity with cloud ready and cloud native contexts, both using on-prem technologies as well as public cloud service (e.g. Azure, AWS, IBM, GCP) is a plus.
+ Excellent analytical, interpersonal and communication skills, both verbal and written. Must be able to communicate effectively with senior business and technical management, vendors, and team members.
+ Proven ability to identify, analyze and solve network connectivity problems through close attention to detail.
+ Excellent leadership, management, and organizational skills.
+ Strong working knowledge of financial/banking systems is a plus.
Location:
This position has a hybrid work from home schedule with a minimum of four days per week in the office at the new Zions Technology Center in Midvale, UT.
The Zions Technology Center is a 400,000-square-foot technology campus in Midvale, Utah. Located on the former Sharon Steel Mill superfund site, the sustainably built campus will be the company's primary technology and operations center. This modern and environmentally friendly technology center will enable Zions to continue to compete for the best technology talent in the state while providing team members with an exceptional work environment with features such as:
+ Electric vehicle charging stations and close proximity to Historic Gardner Village UTA TRAX station.
+ At least 75% of the building is powered by on-site renewable solar energy.
+ Access to outdoor recreation, parks, trails, shareable bikes and locker rooms.
+ Large modern cafe with a healthy and diverse menu.
+ Healthy indoor environment with ample natural light and fresh air.
+ LEED-certified sustainable building that features include the use of low VOC-emitting construction materials.
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
Apply now if you have a passion for impactful outcomes, enjoy working collaboratively with co-workers, and want to make a difference for the clients and communities we serve.
Req ID: 066733
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 **************, Mon.-Fri. between 9 a.m. - 5 p.m. MST.
Click here to view applicable Federal, State and/or local employment law posters.
API Software Engineer
Remote or Midvale, UT Job
Zions Bancorporation's Enterprise Technology and Operations (ETO) team is transforming what it means to work for a financial institution. We operate in a fast-paced, information-driven environment, which means we need people who bring diverse experiences, perspectives, and expertise to meet the ever-changing demands of a technology-driven world. We are grounded in the belief that “improving the work is the work” as we drive to create simple, easy, and fast solutions for our customers. Your ability to adapt, learn, and innovate helps increase revenue, reduce operational costs, and mitigates risk.
Zions is recruiting for the position of API Software Engineer on the Digital Treasury Engineering & Support team. The Digital Treasury Engineering & Support team creates value for Treasury customers by delivering enterprise data and integration services that provide data, functionality, and processes from legacy and modern systems for others to consume. We expose diverse systems and business capabilities in a standardized way.
Responsibilities:
Develop APIs to meet the organization's needs for customer data.
Work on a cross-functional agile team to deliver customer master data management capabilities to the organization.
Works closely with the API Solutions Architect and ACE development and support staff, as a major contributor to the success of the system.
Assist in developing user documentation, specifications, and departmental policies and procedures that impact the use of APIs, Swagger, WSDL, and XSD.
Automate and set up build pipelines and deployments.
Other duties as assigned.
Qualifications:
Bachelors degree in Computer Science, Information Security, Data Science or related field, and a minimum of 4 years' experience administering and developing customization of platforms, or other directly related experience. A combination of education and experience may meet requirements; the successful candidate will have an ability to learn quickly and adapt to changing requirements and circumstances.
Experience with development of APIs / webservices on ESB and API management platforms. IBM App Connect Enterprise (ACE) and Apigee Edge platforms a plus.
Working on APIGEE platform or any other API orchestration platform
Worked on Spring Boot Rest API , Handlers , Interceptor and API authentication
Working knowledge of REST, JSON, SOAP, XML, Python, Java, JavaScript, XSLT, API security policies (OAuth, JWT, JWE, and HMAC), and relational databases.
Knowledge of software engineering practices and programming languages. Familiarity with Java, SQL, Python, JavaScript.
Experience with DevSecOps, CI/CD, build/deploy automation, Git, Azure DevOps and Digital.ai Release / Digital.ai Deploy preferred. Experience with containers is a plus.
Requires strong analytical, organizational and problem-solving skills.
Requires solid interpersonal skills with the ability to work with both management and staff employees.
Ability to elicit, gather and analyze user and business requirements.
Location:
This position has a hybrid work from home schedule with a minimum of three days per week in the office at the new Zions Technology Center in Midvale, UT.
The Zions Technology Center is a 400,000-square-foot technology campus in Midvale, Utah. Located on the former Sharon Steel Mill superfund site, the sustainably built campus will be the company's primary technology and operations center. This modern and environmentally friendly technology center will enable Zions to continue to compete for the best technology talent in the state while providing team members with an exceptional work environment with features such as:
Electric vehicle charging stations and close proximity to Historic Gardner Village UTA TRAX station.
At least 75% of the building is powered by on-site renewable solar energy.
Access to outdoor recreation, parks, trails, shareable bikes and locker rooms.
Large modern cafe with a healthy and diverse menu.
Healthy indoor environment with ample natural light and fresh air.
LEED-certified sustainable building that features include the use of low VOC-emitting construction materials.
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
Apply now if you have a passion for impactful outcomes, enjoy working collaboratively with co-workers, and want to make a difference for the clients and communities we serve.
Fraud Investigator - UT, NV, AZ
Remote or Midvale, UT Job
Zions Bancorporation is one of the nation's premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker as one of the “Best Banks to Work For” and as having a top banking team in its list of “The Most Powerful Women in Banking.” Our customers consistently vote us as the best bank in our local markets. We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a “local” business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers.
With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity.
We are currently seeking a Fraud Investigator to join our team. This position will be full time remote, working from in the Salt Lake City, Utah; Las Vegas, Nevada; or Phoenix, Arizona area.
What you'll do:
· Conducts financial crimes investigations of external and customer activity.
· Writes clear and concise reports in an accurate and timely manner.
· Communicates with branch, department managers, BSA Officers, and frontline groups as necessary, in researching and investigating cases.
· Makes recommendations for closing account relationships to the Investigations management. Escalates identified risks to team leadership.
· Uses various bank systems to conduct research of customer transaction activity including the case management system.
· Keeps current on fraud and BSA/AML investigative operations and the application of the BSA and USA PATRIOT Act requirements along with training requirements for the investigative role.
· Perform other duties as assigned.
Qualifications:
· A bachelor's degree in a related field or combination of investigative experience. Financial crime investigation experience preferred. A combination of education and experience may meet requirements.
· Relevant Professional Certification: Association of Certified Anti-Money Laundering Specialists (ACAMS), Associate of Certified Fraud Examiners (ACFE) or Association of Certified Financial Crime Specialists (ACFCS) is a plus.
· Basic working knowledge of fraud detection/prevention principals, BSA/AML Compliance as it applies to suspicious activity for money laundering, terrorist financing and fraud.
· Basic understanding of complex financial transactions and business relationships and relationships between business entities.
· Good understanding of bank operations as it relates to the flow of funds through financial institutions.
· Good understanding of fraud, AML and terrorist financing red flags related to the identification of suspicious activity.
· Ability to meet deadlines, work independently and adapt to changing priorities.
· Good analytical skills, customer service and communication skills, both verbal and written.
· Ability to manage deadlines, be organized, detail-oriented and high degree of accuracy.
· Ability to write and translate complex situations into easily understood narratives.
Loan Specialist (Central Funding) - Hybrid - Midvale, UT
Remote or Midvale, UT Job
Zions Bancorporation is one of the nation's premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker as one of the "Best Banks to Work For" and as having a top banking team in its list of "The Most Powerful Women in Banking." Our customers consistently vote us as the best bank in our local markets., We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a "local" business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers.
With benefits starting on day one, 11 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity.
We are seeking a Loan Specialist to join Zions Bancorporation. The Loan Specialist will:
* Provide operational support within one or more of the following loan areas: processing, closing, servicing, documentation, notes, disbursements, etc.
* Report all identified loan exceptions and escalate risk items.
* Maintain files, documents, notes, etc.
* Verify completeness of files with all necessary documents and signatures required.
* Perform reviews of loan and collateral documents and loan packages to ensure the bank's security interest and adherence to established policies and procedures.
* Update computer systems with pertinent loan information and loan exception information; tracks, monitors and resolves said exceptions.
* Work with lending staff in resolving discrepancies in loan and collateral documentation.
* Process disbursements, collect fees and borrower contributions while balancing with accounting systems.
* Recognize areas for process improvement and contribute ideas to improve the work.
* Seek continuous learning and growth.
* Other duties as assigned.
Requirements:
* 1+ years banking or loan processing, documentation, servicing or other directly related experience.
* Proficient knowledge of lending processes, principles, documentation, exceptions, collateral review, disbursement and loan systems.
* Strong interpersonal and communication skills.
* Knowledge of banking processes is helpful.
* High School diploma or equivalent.
* A combination of education and experience may meet job requirements.
* Strong organizational and customer service skills.
* Must possess numeric and verbal aptitudes.
* Strong written and verbal communications skills.
* Ability to complete processes and meet deadlines.
* Working knowledge of PC's and various word processing, spreadsheet and related software.
Location:
This position has the flexibility of a hybrid schedule with the majority of days worked from home. Travel in to the office will be required at least once per quarter. Must live within commuting distance to the Zions Technology Center in Midvale, UT.
The Zions Technology Center is a 400,000-square-foot technology campus in Midvale, Utah. Located on the former Sharon Steel Mill superfund site, the sustainably built campus will be the company's primary technology and operations center. This modern and environmentally friendly technology center will enable Zions to continue to compete for the best technology talent in the state while providing team members with an exceptional work environment with features such as:
* Electric vehicle charging stations and close proximity to Historic Gardner Village UTA TRAX station.
* At least 75% of the building is powered by on-site renewable solar energy.
* Access to outdoor recreation, parks, trails, shareable bikes and locker rooms.
* Large modern cafe with a healthy and diverse menu.
* Healthy indoor environment with ample natural light and fresh air.
* LEED-certified sustainable building that features include the use of low VOC-emitting construction materials.
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
Apply now if you have a passion for impactful outcomes, enjoy working collaboratively with co-workers, and want to make a difference for the clients and communities we serve.
API Software Engineer
Remote or Midvale, UT Job
Zions Bancorporation's Enterprise Technology and Operations (ETO) team is transforming what it means to work for a financial institution. We operate in a fast-paced, information-driven environment, which means we need people who bring diverse experiences, perspectives, and expertise to meet the ever-changing demands of a technology-driven world. We are grounded in the belief that "improving the work is the work" as we drive to create simple, easy, and fast solutions for our customers. Your ability to adapt, learn, and innovate helps increase revenue, reduce operational costs, and mitigates risk.
Zions is recruiting for the position of API Software Engineer on the Digital Treasury Engineering & Support team. The Digital Treasury Engineering & Support team creates value for Treasury customers by delivering enterprise data and integration services that provide data, functionality, and processes from legacy and modern systems for others to consume. We expose diverse systems and business capabilities in a standardized way.
Responsibilities:
* Develop APIs to meet the organization's needs for customer data.
* Work on a cross-functional agile team to deliver customer master data management capabilities to the organization.
* Works closely with the API Solutions Architect and ACE development and support staff, as a major contributor to the success of the system.
* Assist in developing user documentation, specifications, and departmental policies and procedures that impact the use of APIs, Swagger, WSDL, and XSD.
* Automate and set up build pipelines and deployments.
* Other duties as assigned.
Qualifications:
* Bachelors degree in Computer Science, Information Security, Data Science or related field, and a minimum of 4 years' experience administering and developing customization of platforms, or other directly related experience. A combination of education and experience may meet requirements; the successful candidate will have an ability to learn quickly and adapt to changing requirements and circumstances.
* Experience with development of APIs / webservices on ESB and API management platforms. IBM App Connect Enterprise (ACE) and Apigee Edge platforms a plus.
* Working on APIGEE platform or any other API orchestration platform
* Worked on Spring Boot Rest API , Handlers , Interceptor and API authentication
* Working knowledge of REST, JSON, SOAP, XML, Python, Java, JavaScript, XSLT, API security policies (OAuth, JWT, JWE, and HMAC), and relational databases.
* Knowledge of software engineering practices and programming languages. Familiarity with Java, SQL, Python, JavaScript.
* Experience with DevSecOps, CI/CD, build/deploy automation, Git, Azure DevOps and Digital.ai Release / Digital.ai Deploy preferred. Experience with containers is a plus.
* Requires strong analytical, organizational and problem-solving skills.
* Requires solid interpersonal skills with the ability to work with both management and staff employees.
* Ability to elicit, gather and analyze user and business requirements.
Location:
This position has a hybrid work from home schedule with a minimum of three days per week in the office at the new Zions Technology Center in Midvale, UT.
The Zions Technology Center is a 400,000-square-foot technology campus in Midvale, Utah. Located on the former Sharon Steel Mill superfund site, the sustainably built campus will be the company's primary technology and operations center. This modern and environmentally friendly technology center will enable Zions to continue to compete for the best technology talent in the state while providing team members with an exceptional work environment with features such as:
* Electric vehicle charging stations and close proximity to Historic Gardner Village UTA TRAX station.
* At least 75% of the building is powered by on-site renewable solar energy.
* Access to outdoor recreation, parks, trails, shareable bikes and locker rooms.
* Large modern cafe with a healthy and diverse menu.
* Healthy indoor environment with ample natural light and fresh air.
* LEED-certified sustainable building that features include the use of low VOC-emitting construction materials.
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
Apply now if you have a passion for impactful outcomes, enjoy working collaboratively with co-workers, and want to make a difference for the clients and communities we serve.