Business Banker

Zions Bank recognizes that its success comes from the dedication, experience and talents of its diverse employee base. As we build upon our 150-year legacy and 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, among the Best Places to Work in Idaho.

If you are an energetic, credit-minded banker who thrives on helping small-to-midsize businesses succeed and grow, make your next career leap with Zions Bank.

We are seeking an experienced, proactive Business Banker to drive relationship growth and manage a commercial business portfolio throughout the Magic Valley, based out of our Twin Falls Eastland branch.

In this role, you will act as a trusted financial advisor to business owners and entrepreneurs, combining disciplined credit analysis and loan structuring with proactive outside calling and business development. You will be responsible for expanding existing client relationships, acquiring new commercial and small business relationships, and delivering the full suite of credit, treasury, and deposit solutions.

Key Responsibilities & Essential Functions

Portfolio Management & Business Development

• Proactive Outside Calling\: Actively initiate outside prospect calls, conduct on-site business visits, and develop relationships with Centers of Influence (CPAs, attorneys, commercial real estate professionals, and business brokers) to generate new lending and deposit opportunities.
• Portfolio Building & Retention\: Drive the strategic growth, expansion, and retention of an assigned portfolio of small-to-midsize business clients across the local market.
• Holistic Relationship Banking\: Deepen client relationships by identifying comprehensive financial needs, cross-selling commercial deposits, Treasury Management services, merchant solutions, and personal banking services to business principals.
• Goal Achievement\: Consistently meet or exceed established production goals for loan volume, deposit growth, fee revenue, and portfolio profitability.

Credit Underwriting & Loan Structuring

• Credit Analysis & Structuring\: Interview loan applicants, analyze financial statements, balance sheets, and tax returns, and recommend appropriate credit structures aligned with bank risk parameters and client cash flow needs.
• Pipeline & Credit Quality\: Partner closely with credit underwriting and loan administration teams to guide credits from application through processing, documentation, and closing, ensuring sound credit quality and regulatory compliance.
• Ongoing Credit Monitoring\: Manage ongoing portfolio risk by monitoring borrower credit performance, reviewing covenant compliance, conducting annual reviews, and managing loan renewals and extensions.

Advisory & Compliance

• Trusted Advisor Engagement\: Build deep institutional knowledge of each client’s operational model and industry dynamics, crafting individualized relationship plans to support their short- and long-term financial goals.
• Regulatory Compliance\: Maintain full adherence to internal credit policies, established underwriting guidelines, and all state and federal banking regulations.
• Perform other related duties and market initiatives as assigned.

Qualifications

Required\:

• Education & Experience\: Bachelor’s degree in Finance, Accounting, Business Administration, or a related discipline, plus 2+ years of commercial credit lending, business banking, or directly related credit analysis experience (or an equivalent combination of education and experience).
• Credit & Underwriting Acumen\: Demonstrated understanding of financial accounting, cash flow analysis, tax return evaluation, and commercial loan structuring.
• Consultative Communication\: Outstanding interpersonal, verbal, and written communication skills, with confidence interviewing C-suite executives and business owners.
• Technical Proficiency\: Strong working knowledge of financial analysis software, spreadsheet modeling, and CRM/pipeline management tools.

Preferred\:

• Outside Calling & Prospecting\: Proven track record in B2B outside sales, cold calling, and establishing active referral networks within the Ada/Canyon County business communities.
• Portfolio Management\: Demonstrated success managing and growing an existing commercial or small business loan/deposit portfolio.
• Local Market Knowledge\: Established familiarity with the Treasure Valley business environment and commercial lending ecosystem.

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
• 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 
• Employee Ambassador preferred banking products

Zions Bank recognizes that its success comes from the dedication, experience and talents of its diverse employee base. As we build upon our 150-year legacy and 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, among the Best Places to Work in Idaho.

If you are an energetic, credit-minded banker who thrives on helping small-to-midsize businesses succeed and grow, make your next career leap with Zions Bank.

We are seeking an experienced, proactive Business Banker to drive relationship growth and manage a commercial business portfolio throughout the Magic Valley, based out of our Twin Falls Eastland branch.

In this role, you will act as a trusted financial advisor to business owners and entrepreneurs, combining disciplined credit analysis and loan structuring with proactive outside calling and business development. You will be responsible for expanding existing client relationships, acquiring new commercial and small business relationships, and delivering the full suite of credit, treasury, and deposit solutions.

Key Responsibilities & Essential Functions

Portfolio Management & Business Development

• Proactive Outside Calling\: Actively initiate outside prospect calls, conduct on-site business visits, and develop relationships with Centers of Influence (CPAs, attorneys, commercial real estate professionals, and business brokers) to generate new lending and deposit opportunities.
• Portfolio Building & Retention\: Drive the strategic growth, expansion, and retention of an assigned portfolio of small-to-midsize business clients across the local market.
• Holistic Relationship Banking\: Deepen client relationships by identifying comprehensive financial needs, cross-selling commercial deposits, Treasury Management services, merchant solutions, and personal banking services to business principals.
• Goal Achievement\: Consistently meet or exceed established production goals for loan volume, deposit growth, fee revenue, and portfolio profitability.

Credit Underwriting & Loan Structuring

• Credit Analysis & Structuring\: Interview loan applicants, analyze financial statements, balance sheets, and tax returns, and recommend appropriate credit structures aligned with bank risk parameters and client cash flow needs.
• Pipeline & Credit Quality\: Partner closely with credit underwriting and loan administration teams to guide credits from application through processing, documentation, and closing, ensuring sound credit quality and regulatory compliance.
• Ongoing Credit Monitoring\: Manage ongoing portfolio risk by monitoring borrower credit performance, reviewing covenant compliance, conducting annual reviews, and managing loan renewals and extensions.

Advisory & Compliance

• Trusted Advisor Engagement\: Build deep institutional knowledge of each client’s operational model and industry dynamics, crafting individualized relationship plans to support their short- and long-term financial goals.
• Regulatory Compliance\: Maintain full adherence to internal credit policies, established underwriting guidelines, and all state and federal banking regulations.
• Perform other related duties and market initiatives as assigned.

Qualifications

Required\:

• Education & Experience\: Bachelor’s degree in Finance, Accounting, Business Administration, or a related discipline, plus 2+ years of commercial credit lending, business banking, or directly related credit analysis experience (or an equivalent combination of education and experience).
• Credit & Underwriting Acumen\: Demonstrated understanding of financial accounting, cash flow analysis, tax return evaluation, and commercial loan structuring.
• Consultative Communication\: Outstanding interpersonal, verbal, and written communication skills, with confidence interviewing C-suite executives and business owners.
• Technical Proficiency\: Strong working knowledge of financial analysis software, spreadsheet modeling, and CRM/pipeline management tools.

Preferred\:

• Outside Calling & Prospecting\: Proven track record in B2B outside sales, cold calling, and establishing active referral networks within the Ada/Canyon County business communities.
• Portfolio Management\: Demonstrated success managing and growing an existing commercial or small business loan/deposit portfolio.
• Local Market Knowledge\: Established familiarity with the Treasure Valley business environment and commercial lending ecosystem.

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
• 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 
• Employee Ambassador preferred banking products