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Small Business Banking Updates

Kristine Goddard

SVP – Director of Business Banking and Director of Regional Credit – Women’s Financial Group

Zions First National Bank

Kristine Goddard joined Zions Bank in 2011 after moving to Utah from San Francisco, California.  Currently she is responsible for Small Business Banking in Utah and Idaho.  Her responsibilities include every aspect of Zions Bank’s outreach to the small business customer.  She chairs the Small Business Executive Committee bringing together all Zions Bank departments that provide products and services, ensuring a coordinated and focused approach for the small business client.  She also serves on the Underwriting and Portfolio Management Forum which brings together all of Zions Bancorp affiliates to develop common underwriting and portfolio management practices throughout the seven bank affiliates.


Kristine is also responsible for oversight and approval of the credit portfolio for the Zions Bank Women’s Financial Group. 


Prior to Zions Bank, Kristine’s career took her to Bank of America, Union Bank of California and California Bank and Trust, managing small business lenders and underwriting centers. 


Active in the community, Kristine currently serves as the Treasurer and Board Member for the Utah YWCA and Board Member of the Cystic Fibrosis Foundation.