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Commercial Underwriter (Las Vegas or Reno)

Zions Bancorp/ZMSC Job Titles
Nevada State Bank
052147 Requisition #

Committed to our state since 1959, Nevada State Bank keeps a focus on customer service of the highest standards. We strive to attract and retain the best and the brightest talent. Nevada State Bank is looking for colleagues who do the right thing, present a can-do spirit, provide accountability, and act as financial specialists. Our shared commitment to the Bank’s Open-Door core values shape every colleague’s attitude, response, and daily actions. Nevada State Bank, a division of Zions Bancorporation, N.A., is a full-service bank offering a complete range of consumer, private and business banking services with branches serving 20 communities across the state of Nevada.


We are now accepting applications for for a Comemrcial Underwriter to join our team. This position can be located in Las Vegas or Reno, NV.


 The ideal candidate for this position will have the skills and experience necessary to:

  • Be responsible for compilation of data as it relates to preparation of credit packages (or pre-screens) incorporating spreads, cash flow, value of related collateral, appraisals, audits and other data.
  • Interpret outcome of analysis and prepare summary, recommendations and may make joint presentations with Relationship Manager (RM) to Credit Approvers on renewals and new loans submitted.
  • Be responsible for evaluating, analyzing and forming opinions for the approving or denying of commercial, commercial RE, and/or business banking loan applications.
  • Be responsible for spreading financial statements, identifying credit strengths and weaknesses, providing detailed and documented analysis of credit worthiness.
  • Ensure credit requests are processed in accordance with bank policies, banking regulations and laws.
  • Identify risk and mitigating factors related to conducting a thorough credit analysis for approval.
  • Respond to internal and external customer inquiries.
  • Recommend exceptions based on findings.
  • Closely with Relationship Manager on the more complex aspects of loan structuring, including long term, fixed vs. variable rates, pre-payment penalty and other variables.
  • May have authority to approve loans beyond the organizations guidelines (if needed).
  • If, senior most level, function as a lead and be responsible for second level approvals (if needed)
  • Perform other duties as assigned.


The Commercial Underwriter position requires;

  • Bachelor's in Finance, Business, Accounting or a related field and 4+ year commercial, commercial real estate credit or small business underwriting, spread analysis, lending, underwriting concepts, practices and procedures or other directly related experience. A combination of education and experience may meet qualifications.
  • Extensive knowledge of commercial, commercial RE and/or small business credit underwriting, spread analysis, lending, underwriting concepts, practices and procedures.
  • Strong working knowledge of C&I and CRE loan requirements with the ability to identify risk and mitigating factors related to conducting a thorough credit analysis for approval.
  • Extensive working knowledge of balance sheets, income and cash flow statements.
  • Strong understanding of commercial and/or small business lending policies and procedures and general banking laws and regulations.
  • Ability to analysis and research financial statements, business plans, credit reports, debt ratios and loan to value information.
  • Possess strong judgment, ability to make sound decisions.
  • Ability to accept responsibility and handle confidential information.
  • Strong customer relations and communication skills, both verbal and written.
  • Self-starter, dependable, accurate in completing responsibilities with strong attention to detail and organizational skills.
  • Extensive working knowledge of a various related software applications, including spreadsheets, word processing, etc.


What we will offer for YOU is...

  • Competitive Pay (commensurate with experience)
  • Paid Vacation & Holidays
  • Generous Benefit Options
  • 401k Matching

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