Sorry, this job is no longer accepting applications. See below for more jobs that match what you’re looking for!

Associate Credit Analyst

Expired Job

Zions Bancorporation Dallas , TX 75201

Posted 3 months ago

Program Format

Phase I Initial Training (4 - 5 months)

(As an Associate Credit Analyst in the Initial Training Phase your employment status is non-exempt)

The initial classroom training takes place in Houston, Texas at Amegy Bank's headquarters and also in Salt Lake City, Utah at ZB, N.A.'s headquarters for two training sessions that are each two weeks in length. This phase is the more highly structured and managed phase of the program. Topics covered during the Initial Training Phase include introductory banking and analytical concepts as well as bank-specific administrative training. Some travel is required to complete this phase.

As a requirement of the initial training, Associate Credit Analysts complete the following series of Omega self-study courses or Zions Lectures: Omega's Financial Accounting for Lenders, Omega's Commercial Loans to Business, Commercial Real Estate Loan Analysis, Managing Portfolio Risk, and Understanding Personal Cash Flow. These courses are designed to teach the analytical process and decision-making techniques needed to make sound credit decisions.

In addition to the self-study materials, during initial training Associate Credit Analysts participate in:

  • Mock write-ups based on case studies

  • Discussion sessions to review concepts introduced in the self-study materials

  • Training to perform credit underwriting according to bank policy

  • Introductions to senior management

  • Department tours providing an overview of bank operations

  • Professional etiquette and sales training

Phase II Rotations (11 - 21 months)

(As Credit Analysts in the Rotational Phase your employment status is exempt)

The primary objective of Phase II is on the job training. Credit Analysts work closely with Bank Officers performing comprehensive credit underwriting and preparing loan presentation packages.

On the job training is accomplished through a structured rotation system. Credit Analysts are assigned to specific lending groups for a series of 4 to 7 rotations, each rotation lasting approximately 13 weeks. During these rotations, the Credit Analyst performs all analytical work required for that particular department.

Specific responsibilities include:

  • Preparation of financial statement spreads and credit presentation packages

  • Participation in loan approval presentations

  • Portfolio credit risk review

  • Shadowing Bank Officers in customer/prospect meetings

  • Participation in seminars and on-going training sessions

Various areas host Credit Analysts for rotations on an ongoing basis (dependent on departmental need):

  • Commercial Lending

  • Private Banking

  • Commercial Real Estate

  • International

  • Corporate

  • Energy Lending

  • Special Assets and Credit

  • Not-for-Profit

  • Syndications

The rotational system offers each Credit Analyst equal and in-depth exposure to all of the lending groups, which facilitates the placement process and ensures the development of well-rounded Bank Officers.

Career Path

Participants who successfully complete the Officer Development Program can anticipate an exciting career path in banking.

  • Placement out of the program is dependent on employee tenure, performance, and staffing needs and generally takes place around 16 to 26 months following employment.

  • The first promotion out of the ODP is to a Line of Business Associate, Officer or a similar position within a specific area of the bank. Officers have formal loan portfolio responsibilities with a focus on and exposure to business development and loan portfolio management.

  • The next promotion is to either Relationship Manager II or Portfolio Manager II, Assistant Vice President or a similar position within a specific area of the bank and is dependent on employee tenure, performance, and the amount of time that has lapsed since being promoted to Officer. This promotion typically comes between the 3rd and 4th year of employment.

For more information, visit us online at:

See if you are a match!

See how well your resume matches up to this job - upload your resume now.

Find your dream job anywhere
with the LiveCareer app.
Download the
LiveCareer app and find
your dream job anywhere

Boost your job search productivity with our
free Chrome Extension!

lc_apply_tool GET EXTENSION

Similar Jobs

Want to see jobs matched to your resume? Upload One Now! Remove
Credit Analyst II Commercial Loans

Hilltop Holdings

Posted 1 week ago

VIEW JOBS 11/29/2018 12:00:00 AM 2019-02-27T00:00 Job Summary The Credit Analyst II provides full service to Commercial Loan Officers statewide, through analyzing basic commercial loan requests, identifying strengths and weaknesses, providing recommendations, and noting any deviations from the Commercial Loan Policy as appropriate. Also provides loan monitoring services to the Lending Staff. Essential FunctionsAnalyzes financial statements (including performance ratios) of all levels of quality to develop initial assessment by identifying strengths and weaknesses as pertaining to borrower's historical operating performance.Prepares written analyses which include: * Credit investigation of the borrower and guarantors; * Economic and market conditions as they relate to the company, industry, and market area; * In-depth historical financial analysis, including communicating with the borrower's accountant to gain a better understanding of the company's accounting practices; * In-depth projection financial analysis, including the performance of "what if" scenarios that test the reasonableness of the projections; * In-depth analysis of the secondary sources of repayment such as collateral; * In-depth analysis of a guarantor's financial position. * Identifies borrower's strengths and weaknesses. Collects and maintains industry data; researches industry specific information from outside sources, including conversations with the borrower, industry publications, references from other banks, credit agencies, as well as accessing information through the internet.Attends Management Loan Committee, Board Committees, as appropriate, to be available to answer questions regarding credit analysis as necessary; often presents the loan request to the committee.Participates in customer meetings as requested by officers (may require travel at times).Performs real estate appraisal reviews for lenders in all regions.Performs vehicle floor plan inspections and reports finding to lending management.Processes and establishes accountability pertaining to Commercial Loan Agreement requirements/covenants.Monitors periodic inspections pertaining to real estate construction projects – loan advances versus project completion.Job Requirements * Bachelor's degree in Business or related field required. Accounting or Finance degree strongly preferred. * 2 to 4 years of experience in credit analysis required, preferably in commercial loans. * Excellent verbal, written and interpersonal communication skills. * Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems. * Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment. * Must be self-motivated with strong initiative, accountability, and attention to detail. About the Company At PlainsCapital Bank, we've always had a trailblazing spirit. PlainsCapital Bank was founded in 1988 by current Chairman and CEO Alan B. White and a group of young bankers who dreamed of bringing relationship banking to their hometown of Lubbock, Texas. With the acquisition of Plains National Bank, a Lubbock financial institution with one branch and $198.8 million, they began growing the bank one relationship at a time. Today, PlainsCapital Bank is one of the largest banks in Texas based on deposit market share. We have a statewide presence with more than 65 locations in all major Texas markets. We are a strong and stable financial institution and a trusted community partner. We take pride in helping our customers blaze trails of their own, whether launching or expanding a business, raising a family, or moving into retirement. Our diverse range of services includes commercial banking, treasury management, private banking, and wealth management, as well as consumer banking. To learn more, please visit us online at Hilltop Holdings Dallas TX

Associate Credit Analyst

Expired Job

Zions Bancorporation