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Zions Bancorporation National Real Estate Underwriter: Salt Lake City in Salt Lake City, Utah

Zions Bank recognizes that its success comes from the dedication, experience and talents of its diverse employee base. As we usher in the next generation of banking, we’re committed to being the premier employer of choice. We’re proud to have ranked among American Banker magazine’s “Best Banks to Work For” almost every year since 2013, as Best Employer from Utah’s Best of State, among the Best Places to Work in Idaho, and “among the Salt Lake Tribune’s Top Workplaces. Make the leap into a new era of banking. Let us transform your career.

With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is committed to career growth and advancement. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity.

Zions Bank is now accepting applications for an Underwriter in the National Real Estate Banking Group based in our corporate offices in Salt Lake City. If you’re ready to move up the career ladder, this might be your next rung.

Ideal candidates will have the skills and experience necessary to:

  • Compile data as it relates to preparation of credit packages (or pre-screens) incorporating spreads, cash flow, value of related collateral, appraisals, audits and other data.

  • Interpret outcome of analysis and prepare summary, recommendations and 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.

  • Ensure credit requests are processed in accordance with bank policies, banking regulations and laws.

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

  • Respond to internal and external customer inquiries.

  • Recommend exceptions based on findings.

  • Work closely with Relationship Managers on the more complex aspects of loan structuring, including long term, fixed vs. variable rates, pre-payment penalty and other variables.

  • Have authority to approve loans beyond the organizations guidelines.

  • Lead and be responsible for second level approvals.

  • May be asked to help with other duties as needed.

    Successful candidates will have the following credentials:

  • Requires a Bachelor's in Finance, Business, Accounting or a related field and 2+ 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.

  • Working knowledge of commercial, commercial RE and/or small business credit underwriting, spread analysis, lending, underwriting concepts, practices and procedures.

  • Working 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.

  • Good working knowledge of balance sheets, income and cash flow statements.

  • Solid understanding of commercial and/or small business lending policies and procedures and general banking laws and regulations.

  • Ability to analyze and research financial statements, business plans, credit reports, debt ratios and loan to value information.

  • Solid judgment and ability to make sound decisions.

  • Able to accept responsibility and handle confidential information.

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

  • Must be a self-starter, dependable, accurate in completing responsibilities with strong attention to detail and organizational skills.

  • W orking knowledge of computer software programs including Excel, Word, etc. required.


  • 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

Req ID: 061260

Equal Opportunity Employer

It is the policy of this corporation to provide equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, veteran status, sexual orientation, gender identity and expression or any other characteristic protected by applicable law. This policy is established and administered in accordance with all applicable federal, state, and local laws.

If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for employment, please contact us at (801) 844-7628, Mon.-Fri. between 9 a.m. - 5 p.m. MST.

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