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Spencer Richins Email & Phone Number
Senior Vice President, Team Lead and Commercial Lending
at
Bank of Utah
LinkedIn matched
✓ Verified August 2026
3 data sources
Profile completeness 86%
Current company
Role
Senior Vice President, Team Lead and Commercial Lending
Location
Salt Lake City Metropolitan Area, United States
Company size
Who is Spencer Richins? Overview
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Quick answer
Spencer Richins is listed as Senior Vice President, Team Lead and Commercial Lending at Bank of Utah, a with 438 employees, based in Salt Lake City Metropolitan Area, United States. AeroLeads shows a matched LinkedIn profile for Spencer Richins.
Spencer Richins previously worked as Senior Vice President, Team Lead / Commercial Lending at Bank Of Utah and Vice President, Team Lead/Commercial Lending at Bank Of Utah. Spencer Richins holds Mba, Business Admin / Finance from Utah State University - Jon M. Huntsman School Of Business.
Company email context
Email format at Bank of Utah
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Bank of Utah
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Profile bio
About Spencer Richins
- Experience in Commercial Lending since 2005 at America West Bank, Zions Bank, and Bank of Utah. - Global Cash Flow Analysis and financial analysis. Loan work outs and problem loan Portfolio Management. - Experience in Credit Administration: loan portfolio stress testing, allowance for loan Loss, potential exposure for substandard loans. - Loan Origination and Portfolio ManagementSpecialties: - Global Cash Flow and financial indicators in determining viability for person / business to service debt - Loan workouts - Collateral inspection - Managing participation loans - Credit Administration: loan portfolio stress testing, allowance for loan Loss, potential exposure for substandard loans.
Current workplace
Spencer Richins's current company
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Bank Of Utah
7 roles
Spencer Richins work experience
A career timeline built from the work history available for this profile.
Senior Vice President, Team Lead / Commercial Lending
Vice President, Team Lead/Commercial Lending
Bank Of Utah
Apr 2017 - Jun 2019
Vice President, Relationship Manager
Commercial Loan Origination and Portfolio ManagementSpecialties include:-UCA cash flow and Financial Statement analysis-Appraisal review and analysis-Loan workouts / collections-Allowance for Loan and Lease Loss (ALLL) findings / management-TDR, FAS114, and other Credit Administration duties
Jan 2010 - Apr 2017
Account Officer
-Meet with customers and aided their exit from America West Bank's loan portfolio to another location Bank-Discounted cash flow and other analysis required to justify any discount taken on portfolio-Liquidation of the Bank's portfolio
Jul 2009 - Oct 2009
Senior Credit Analyst
-SBA 504 loan underwriting and credit analysis-Appraisal review-Loan collections
May 2009 - Jul 2009
Financial Analyst
America West Bank
-Performed construction disbursement draws, analyzed inspections-Tax return and financial statement analysis on construction, commercial, and consumer loans using Buker’s Tax Analysis and Moody’s-Facilitated participation loans between America West Bank and several other banks-Reconciled and facilitated SBA 1502 reporting; re-gained the Bank’s preferred lender (PLP) status within 4 months-Created (in Microsoft Excel) forms to organize and explain financial and other findings from the underwriting process
Sep 2005 - May 2009
Team & coworkers
Colleagues at Bank of Utah
Other employees you can reach at bankofutah.com. View company contacts for 438 employees →
MH
Megan Headrick
Colleague at Bank Of UtahSalt Lake City Metropolitan Area, United States
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BD
Brandy Duncan
Colleague at Bank Of UtahPrice, Utah, United States
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SW
Stella Wilson
Colleague at Bank Of UtahSalt Lake City, Utah, United States
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CL
Carol Lund
Colleague at Bank Of UtahSalt Lake City Metropolitan Area, United States
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RM
Rand Matthews
Colleague at Bank Of UtahOgden, Utah, United States
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JC
Jose Coria
Colleague at Bank Of UtahProvidence, Utah, United States
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JC
Jodie Curtis
Colleague at Bank Of UtahSalt Lake City, Utah, United States
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KR
Kathy Robles
Colleague at Bank Of UtahOgden, Utah, United States
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RH
Randy Hahn
Colleague at Bank Of UtahSalt Lake City, Utah, United States
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MS
Megan Spilman
Colleague at Bank Of UtahLogan, Utah, United States
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Megan Headrick
Colleague at Bank Of UtahSalt Lake City Metropolitan Area, United States
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BD
Brandy Duncan
Colleague at Bank Of UtahPrice, Utah, United States
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SW
Stella Wilson
Colleague at Bank Of UtahSalt Lake City, Utah, United States
View →
CL
Carol Lund
Colleague at Bank Of UtahSalt Lake City Metropolitan Area, United States
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RM
Rand Matthews
Colleague at Bank Of UtahOgden, Utah, United States
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JC
Jose Coria
Colleague at Bank Of UtahProvidence, Utah, United States
View →
JC
Jodie Curtis
Colleague at Bank Of UtahSalt Lake City, Utah, United States
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KR
Kathy Robles
Colleague at Bank Of UtahOgden, Utah, United States
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RH
Randy Hahn
Colleague at Bank Of UtahSalt Lake City, Utah, United States
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MS
Megan Spilman
Colleague at Bank Of UtahLogan, Utah, United States
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3 education records
Spencer Richins education
Mba, Business Admin / Finance
Graduate, Banking
Pacific Coast Banking School
Bachelor'S Degree, Business Admin / Finance
FAQ
Frequently asked questions about Spencer Richins
Quick answers generated from the profile data available on this page.
What company does Spencer Richins work for?
Spencer Richins works for Bank of Utah.
What is Spencer Richins's role at Bank of Utah?
Spencer Richins is listed as Senior Vice President, Team Lead and Commercial Lending at Bank of Utah.
Where is Spencer Richins based?
Spencer Richins is based in Salt Lake City Metropolitan Area, United States while working with Bank of Utah.
What companies has Spencer Richins worked for?
Spencer Richins has worked for Bank Of Utah, Fdic, Zions Bank, and America West Bank.
Who are Spencer Richins's colleagues at Bank of Utah?
Spencer Richins's colleagues at Bank of Utah include Megan Headrick, Brandy Duncan, Stella Wilson, Carol Lund, and Rand Matthews.
How can I contact Spencer Richins?
You can use AeroLeads to view verified contact signals for Spencer Richins at Bank of Utah, including work email, phone, and LinkedIn data when available.
What schools did Spencer Richins attend?
Spencer Richins holds Mba, Business Admin / Finance from Utah State University - Jon M. Huntsman School Of Business.
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