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Zions Bancorp/ZMSC Job Titles
Enterprise Services
053226 Requisition #

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.


Zions Bancorporation seeks a detail-oriented Credit Spread Analyst for our Centralized Spreading/Quality Assurance Review team. We need someone who can review account data, verify information for quality and accuracy and mitigate risk. We need someone who can come up-to-speed very quickly. This position will be located in Salt Lake City, Utah.


  • Conducts quality assurance reviews for financial statement spreads performed by field officers or fulfilled through the use of artificial intelligence.
  • Provides support and guidance for spread requests made by bank employees.
  • Resolves issues to facilitate the Risk Grading of spreads.
  • Completes consolidations and projections as requested by bank employees.
  • Analyzes and spreads complex business financial statements or business tax returns using Moody’s CreditLens.
  • Acts as a source of knowledge to bank employees for spreading standards, accounting principles, and team procedures and processes.
  • Resolves spreading issues between bank employees and team members.
  • Assists in preparing reports utilized by Senior Management.
  • Takes a lead role in spreading activities and assists in QUIQSpread and CreditLens training and certification development.
  • Makes recommendations to improve risk management processes.
  • Performs other duties as assigned.




  • Requires a Bachelor's degree in Finance, Accounting, Business or other related field and some experience with credit/financial spreading and analysis, financial spreading systems, accounting principles and practices or other directly related experience.
  • Prefer Master’s Degree in Accounting, Finance or Business.
  • For internal candidates Moody's certified preferred.
  • A combination of education and experience may meet job requirements.
  • Experienced working knowledge of financial data and spread analysis, accounting, credit, lending principles, processes, and practices.
  • Experienced working knowledge of credit risk, legal and regulatory requirements.
  • Experienced understanding of credit administration, policy and procedures.
  • Sound analytical skills and attention to detail a must.
  • Ability to identify and resolve exceptions and to interpret data.
  • Ability to read and comprehend financial data.
  • Ability to work with lending officers and staff.
  • Good internal client relationship, judgement and professional communication skills, both verbal and written.
  • Ability to make sound decisions and recommendations regarding spreads.
  • High Proficiency in Microsoft Excel and working knowledge in other computer software such as adobe acrobat, Microsoft Office suite, etc.




  • Health / Dental / Vision plan Career advancement opportunities from within / paid training opportunities
  • 401 k plan with generous matching contribution
  • Competitive Pay commensurate with experience
  • Stable Employer, a division of Zions Bancorporation and is included in the S&P 500 & NASDAQ Financial 100 indices.

To review our Benefits Summary click here.


Zions Bancorporation and its affiliates and divisions (“Zions”) is an equal opportunity employer which prohibits all forms of discrimination and harassment. Zions is committed to the principle of equal employment opportunity for all employees and employment candidates and to providing a work environment free of discrimination and harassment. All employment decisions at Zions are based on business needs, job requirements and individual qualifications, without regard to race, color, religion, ethnicity, sex, sexual orientation, gender identification, age, national origin, pregnancy, veteran status, family or parental status, or any other status protected by the laws or regulations in the locations where we operate. Zions will not tolerate discrimination or harassment based on any of these characteristics. Zions encourages applicants of all ages.


It is Zions’ policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, Zions will safeguard the fair and equitable treatment of protected veteran spouses and family members with regard to all employment actions and prohibit harassment of applicants and employees because of their relationship or association with a protected veteran.


Applicants Requesting Accommodations: If you are a qualified individual with a disability or a disabled veteran, you may request a reasonable accommodation if you are unable or limited in your ability to use or access our career site.  You can request reasonable accommodations by contacting us at careers@zionsbancorp.com or 801/844-7628.  Please email your resume/cover letter, indicate what position you are interested in and include "Accommodation needed" in the subject line to ensure your information is routed to the appropriate contact.


Click here to view our EEO Statement.


Click here to view applicable Federal, State and/or local employment law posters.

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Zions Bank a division of Zions Bancorporation, N.A. Member FDIC