Senior Commercial Lender - Sandy, UT

Zions Bank is the largest provider of Auto Dealer financing in the state of Utah and   recognizes that its success comes from the dedication, experience and talents of its diverse employee base. Auto Dealer loans include inventory floorplan financing, franchise (CAP) financing, and commercial owner-occupied real estate.  Total current portfolio outstanding is > $1B and several dealer relationships exceed $100 million in commitments. 

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.  

We are seeking a Senior Commercial Lender to join Zions Bank at our location in Sandy, UT. The Senior Commercial Lender plays a key role in generating and servicing a wide variety of commercial loans, including the most complex and sensitive credits. This position is responsible for developing strong, low-risk commercial relationships while maintaining exceptional customer service. As the principal account and relationship manager, you will drive new business through client leads, referrals, and cross-selling efforts, while ensuring compliance with all regulations. Your expertise in credit analysis, loan structuring, and portfolio management will directly impact the organization’s long-term goals and reputation. 

Responsibilities: 

• Manage an underwriting team of Relationship Managers and Portfolio Managers overseeing $1B commercial loan portfolio. 

• Help to grow Auto Dealer loan portfolios by $200M at affiliate banks within the Bancorp footprint over the next 1-3 years. 

• Develop managerial skills to be promoted to Department Manager in 3-5 years. 

• Generate and service a diverse portfolio of commercial loans, including large and complex credits 

• Develop and maintain strong commercial relationships with new and existing clients 

• Act as principal account and relationship manager, providing consultative direction and solutions 

• Drive new business through client and prospect calls, referrals, and cross-selling bank products 

• Conduct credit analysis, loan structuring, client interviewing, and character judgment 

Qualifications: 

• 8+ years’ experience with commercial or credit-associated lending, credit, or underwriting, or 11+ years of other directly related experience 

• Expert knowledge of commercial loans, credit analysis, lending, loan processing, and closing processes 

• Proven ability to expand commercial loans, client relationships, and cross-sell bank products 

• Solid sales ability and experience in applicant interviewing and perceptive character judgment 

• Strong skills in loan structuring and monitoring credit performance 

• Excellent interpersonal and communication skills 

• Working knowledge of software applications, including word processing and spreadsheets 

• Experience managing a large commercial portfolio 

• Bachelor’s degree required; a combination of education and experience may meet requirements 

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 

Location: This position is in Sandy, UT and is in office 5 days per week.