Finance OPT Jobs in Utah
Finance F-1 OPT sponsorship jobs in Utah are concentrated in Salt Lake City, where major employers like Goldman Sachs, Fidelity Investments, and numerous fintech firms maintain significant operations. Utah's growing financial services sector, anchored by the Silicon Slopes tech corridor, creates demand for international students in roles spanning financial analysis, investment operations, and risk management.
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Get Access To All JobsINTRODUCTION
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. This is an in-office role with offices being located in Salt Lake City or Midvale, Utah.
ROLE AND RESPONSIBILITIES
Responsibilities:
-
Credit Underwriting & Risk Analysis
Execute credit underwriting for new, renewal, and modification commercial loan requests, ensuring alignment with the bank’s credit policy and regulatory standards. Conduct financial analysis, including spreading corporate and personal financial statements, tax returns, and cash flow modeling (such as DSC, global cash flow, and sensitivity analysis). Prepare credit presentations, clearly evaluating borrower financial performance, industry risk and trends, risk mitigants, and collateral adequacy for presentation to Credit Administration. -
Portfolio Management & Risk Mitigation
Proactively manage and service an assigned portfolio of existing commercial relationships, maintaining asset quality and minimizing credit risk. Execute ongoing portfolio management, including completing annual loan reviews, validating and tracking reporting and financial covenants, updating credit risk grades, and resolving collateral or documentation exceptions. Monitor delinquency and past-due reports, taking action to address early-warning signs of credit deterioration, and partnering with Special Assets or senior credit leadership when necessary. -
Relationship Management & Business Development Support
Partner with Commercial Bankers to identify loan opportunities and to help with structuring and pricing credit facilities. Prepare preflight summaries and facilitate discussions with Credit Administration to gauge risk appetite early in the deal cycle. Serve as a knowledgeable secondary point of contact for clients, delivering exceptional customer service and assisting in expanding, building, and retaining key commercial relationships. -
Compliance & Operational Excellence
Ensure strict compliance with all internal banking policies, credit guidelines, and federal and state lending regulations. Perform other strategic duties, project-level risk assessments, or departmental tasks as assigned to support overall business line objectives.
BASIC QUALIFICATIONS
- Typically requires a bachelor’s degree in Business, Finance or a related field and 4+ years’ experience with commercial or corporate loans, spreading financial statements, or other directly related experience.
- Credit & Risk Analysis: Advanced knowledge of commercial loan types, credit analysis and underwriting, including the analysis of financial statements, cash flow analysis, collateral valuations, risk-rating methodologies, and loan documentation.
- Financial Spreading: Proven expertise in spreading business tax returns and financial statements, and personal tax returns and personal financial statements of guarantors.
- Regulatory & Policy Compliance: Comprehensive knowledge of federal and state banking regulations, commercial lending procedures, and strict adherence to internal credit policies.
- Portfolio Management: Demonstrated ability to manage a diverse commercial loan portfolio proactively and to monitor covenant compliance, perform annual reviews, and mitigate credit risk.
- Communication: Excellent written and verbal communication skills, with a proven track record of transforming complex financial data into concise, and well supported credit memorandums for presentation to Credit Administration.
- Problem-Solving Skills: Strong analytical and strategic problem-solving skills, with the ability to structure complex commercial credit facilities under tight deadlines.
- Systems Proficiency: High proficiency in advanced financial spreading software, modern Loan Origination Systems (LOS), and advanced spreadsheet modeling.
PREFERRED QUALIFICATIONS
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 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
- Employees may, at the company’s discretion, be eligible to receive a cash bonus award
INTRODUCTION
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. This is an in-office role with offices being located in Salt Lake City or Midvale, Utah.
ROLE AND RESPONSIBILITIES
Responsibilities:
-
Credit Underwriting & Risk Analysis
Execute credit underwriting for new, renewal, and modification commercial loan requests, ensuring alignment with the bank’s credit policy and regulatory standards. Conduct financial analysis, including spreading corporate and personal financial statements, tax returns, and cash flow modeling (such as DSC, global cash flow, and sensitivity analysis). Prepare credit presentations, clearly evaluating borrower financial performance, industry risk and trends, risk mitigants, and collateral adequacy for presentation to Credit Administration. -
Portfolio Management & Risk Mitigation
Proactively manage and service an assigned portfolio of existing commercial relationships, maintaining asset quality and minimizing credit risk. Execute ongoing portfolio management, including completing annual loan reviews, validating and tracking reporting and financial covenants, updating credit risk grades, and resolving collateral or documentation exceptions. Monitor delinquency and past-due reports, taking action to address early-warning signs of credit deterioration, and partnering with Special Assets or senior credit leadership when necessary. -
Relationship Management & Business Development Support
Partner with Commercial Bankers to identify loan opportunities and to help with structuring and pricing credit facilities. Prepare preflight summaries and facilitate discussions with Credit Administration to gauge risk appetite early in the deal cycle. Serve as a knowledgeable secondary point of contact for clients, delivering exceptional customer service and assisting in expanding, building, and retaining key commercial relationships. -
Compliance & Operational Excellence
Ensure strict compliance with all internal banking policies, credit guidelines, and federal and state lending regulations. Perform other strategic duties, project-level risk assessments, or departmental tasks as assigned to support overall business line objectives.
BASIC QUALIFICATIONS
- Typically requires a bachelor’s degree in Business, Finance or a related field and 4+ years’ experience with commercial or corporate loans, spreading financial statements, or other directly related experience.
- Credit & Risk Analysis: Advanced knowledge of commercial loan types, credit analysis and underwriting, including the analysis of financial statements, cash flow analysis, collateral valuations, risk-rating methodologies, and loan documentation.
- Financial Spreading: Proven expertise in spreading business tax returns and financial statements, and personal tax returns and personal financial statements of guarantors.
- Regulatory & Policy Compliance: Comprehensive knowledge of federal and state banking regulations, commercial lending procedures, and strict adherence to internal credit policies.
- Portfolio Management: Demonstrated ability to manage a diverse commercial loan portfolio proactively and to monitor covenant compliance, perform annual reviews, and mitigate credit risk.
- Communication: Excellent written and verbal communication skills, with a proven track record of transforming complex financial data into concise, and well supported credit memorandums for presentation to Credit Administration.
- Problem-Solving Skills: Strong analytical and strategic problem-solving skills, with the ability to structure complex commercial credit facilities under tight deadlines.
- Systems Proficiency: High proficiency in advanced financial spreading software, modern Loan Origination Systems (LOS), and advanced spreadsheet modeling.
PREFERRED QUALIFICATIONS
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 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
- Employees may, at the company’s discretion, be eligible to receive a cash bonus award
OPT Finance Job Roles in Utah
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Search Finance Jobs in UtahFinance OPT Sponsorship Jobs in Utah: Frequently Asked Questions
Which finance companies in Utah sponsor F-1 OPT visas?
Several large financial employers in Utah have a track record of hiring F-1 OPT students, including Goldman Sachs, Fidelity Investments, American Express, and Zions Bancorporation. Utah's fintech sector, particularly companies operating out of the Silicon Slopes corridor in Lehi and Provo, also hires OPT candidates in financial technology and data-focused roles. Sponsorship is never guaranteed, so confirming OPT acceptance during the hiring process is important.
Which cities in Utah have the most finance F-1 OPT sponsorship jobs?
Salt Lake City accounts for the majority of finance F-1 OPT positions in Utah, with a dense concentration of banks, asset managers, and corporate finance teams headquartered or regionally based there. South Jordan and Sandy host back-office and operations centers for several large financial institutions. The Silicon Slopes area spanning Lehi and Provo adds fintech and financial software opportunities for OPT-eligible candidates.
What types of finance roles typically qualify for F-1 OPT sponsorship in Utah?
Roles that align with finance, accounting, economics, or business degree programs are the most common match for F-1 OPT authorization in Utah. Financial analyst, investment operations associate, risk analyst, compliance analyst, and corporate treasury positions regularly appear among OPT-eligible postings. Roles requiring quantitative skills, particularly in financial modeling or data analysis, tend to attract employers already familiar with sponsoring international students.
How do I find finance F-1 OPT sponsorship jobs in Utah?
Migrate Mate is built specifically for this search. You can filter by F-1 OPT visa type, select Finance as the industry, and set Utah as your location to see verified sponsorship-friendly job listings from employers who have indicated willingness to work with OPT candidates. This saves significant time compared to manually checking whether individual Utah finance employers accept OPT, which is rarely advertised clearly on general job postings.
Are there any Utah-specific considerations for F-1 OPT in finance?
Utah's finance sector includes a notable concentration of insurance and financial services firms tied to the state's demographics, which creates niche OPT opportunities less common in other markets. Many Utah financial employers are mid-sized regional firms rather than national banks, and their familiarity with OPT authorization can vary. International students in STEM-designated finance programs, such as financial engineering or quantitative finance, may be eligible for the 24-month STEM OPT extension, which meaningfully increases their appeal to Utah employers evaluating longer-term hires.