Commercial/Business Banking Underwriter: Ames, Iowa

Zions Agricultural Finance (ZAF), a division of Zions Bank, is one on the top originators and servicers of agricultural land loans throughout the United States.  The division was formed in 1997 and has continued to grow over the years with over a $2 billion loan portfolio currently being serviced.

With benefits starting on day one, 11 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is committed to career growth and advancement. At Zions, the possibilities are endless.

Our team is searching for a Commercial/Business Banking Underwriter for the Ames, Iowa office location.

You bring the talent; we bring the opportunity!

Ideal candidates will have these skills and experience:

• Compile data for the preparation of credit packages (or pre-screens), including spreads, cash flow, collateral value, appraisals, audits, and other relevant information.
• Interpret analysis outcomes, prepare summaries and recommendations, and potentially co-present with the Relationship Manager (RM) to Credit Approvers for renewals and new loan submissions.
• Evaluate, analyze, and form opinions on the approval or denial of commercial, commercial real estate (RE), and/or business banking loan applications.
• Spread financial statements, identify credit strengths and weaknesses, and provide detailed, documented analysis of creditworthiness.
• Ensure credit requests are processed in compliance with bank policies, banking regulations, and laws, identifying risks and mitigating factors during thorough credit analysis for approval.
• Respond to inquiries from internal and external customers.

Qualifications:

• Bachelor's degree in Finance, Business, Accounting, or a related field, with a minimum of 1 year of experience in commercial or commercial real estate credit, business banking underwriting, spread analysis, lending, or related areas. A combination of education and experience may also be considered.
• Fundamental knowledge of commercial, commercial real estate, and/or business banking credit underwriting, spread analysis, lending, and related concepts, practices, and procedures.
• Basic understanding of Business, Commercial & Industrial (C&I), and Commercial Real Estate (CRE) loan requirements, with the ability to identify risks and mitigating factors during thorough credit analysis for approval.
• Proficiency in analyzing balance sheets, income statements, and cash flow statements, along with a solid understanding of commercial and/or business banking lending policies, procedures, and general banking laws and regulations.
• Capability to analyze and research financial statements, business plans, credit reports, debt ratios, and loan-to-value information.
• Strong judgment and decision-making skills, with the ability to handle confidential information responsibly.
• Excellent customer relations and communication skills.
• Self-motivated, dependable, and accurate in completing responsibilities, with strong attention to detail and organizational skills.
• Proficiency in various related software applications, including spreadsheets and word processing.

Location Amenities:

Located in the heart of downtown Ames, Iowa, the Zions Agricultural Finance building serves as the headquarters for our division. Ames is the home of Iowa State University, and as we like to say, is big enough to have everything, while being small enough to get there quickly.  Big 12 sporting events, live performances, a diverse selection of restaurants, bike friendly, and some of the best schools in Iowa make the Ames area an exceptional place to work and live.  Work location features include:

• FREE employee parking with a private parking lot.
• Easy access to city bus lines with a hub directly outside of our building.
• Restaurants, shops, grocery stores, and city hall are all within a quarter mile of our 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