Credit Analyst: 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 Credit Analyst for the Ames, Iowa office location.

You bring the talent; we bring the opportunity!

Ideal candidates will have these skills and experience:

Conducts credit investigations, credit and loan analysis, underwriting and other documentation information pertaining to loan analysis.

Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches.

Responsible to understand of the loan request and the business relationship ensures the accuracy and completeness of financial information received for loan renewals.

Analyzes financial statements and related material and makes recommendations for approvals of credits.

Analyzes financial conditions and trends; reviews and reports non-compliance with loan covenants. Determines cash flow using appropriate tax analysis.

Prepares summaries, presents facts, and offers opinions concerning credit-worthiness and any risk items or issues.

Provides credit information and references for customers, loan officers, or other agencies as requested.

Qualifications:

Requires a Bachelor's in finance, business, accounting or a related field and 1+ years credit/financial analysis, lending, underwriting or other directly related experience.

A combination of education and experience may meet job requirements. Basic working knowledge of financial and spread analysis, credit, lending and underwriting processes and principles.

Some experience working with various types of loans.

Basic working knowledge of credit risk, legal and regulatory requirements.

Ability to work with lending officers and staff. Good client relationship and communication skills, both verbal and written.

Ability to make sound decisions and recommendations regarding loans.

Working knowledge of computer software programs including spreadsheets, word processing, etc. required.

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