Job description

Associates at California Bank & Trust work in a relationship-centered culture where they are provided with the tools, training, and opportunities to build the best possible relationships with our clients and with each other. Our workplace culture values each associate’s unique experiences, background and perspectives and provides a collaborative environment for all employees to grow and thrive.

As a premier California-focused financial services company dedicated to serving its communities, families, and businesses (small, mid-sized and large), CB&T has been active for 70 years and has more than 80 full-service branch offices across the state. This dedication has helped the bank earn recognition as a perennial powerhouse in yearly voting for “Best Bank” and “Best Commercial Bank” from the readers of San Diego Union-Tribune and Orange County Register. Additionally, as a division of Zions Bancorporation, the bank has collected multiple Greenwich Excellence Awards for “Overall Client Satisfaction” in Small Business & Middle Market Excellence Awards.

We are looking for a Relationship Banker (Commercial Lending) in El Cajon, CA . This role focuses on identifying appropriate lending opportunities, soliciting, and developing all types of business activity, specializing in commercial loans and participates in the development of overall commercial loan objectives, policies and practices.

The ideal candidate will have the experience necessary to:
Responsible for acquiring, analyzing and maintaining client relationships.

Provides suitable credit, deposit or other banking services as well as counsel and advice to best meet clients' needs.

Analyzes risks and profitability of assigned client base to ensure ongoing profitability and conformity with credit terms.

Solicits the sale of additional products and services to meet clients' needs.

Develops and implements marketing plans for expanding business.

Negotiates loan terms and conditions.

Remains well versed in industrial, economic and financial situations relating to assigned clients.

May be assigned specialized industry or market segments.

Other duties as assigned.

Qualifications:
Requires a bachelor's degree in business, finance or a related field and 2+ years commercial lending, credit associated lending and bank sales experience.

A combination of education and experience may meet requirements.

Basic knowledge of bank products, credit and commercial lending techniques and procedures.

Ability to expand loans, client relationships and bank products.

Must have good interpersonal, oral and written communication skills needed to create relationships with loan clients.

Good analytical and negotiation skills.

Limited use and/or application of basic lending principles, theories, and concepts.

Benefits:
Medical & Dental Insurance & Vacation & Profit Sharing - START DAY ONE!

401(k) plan, competitive compensation in line with work experience.

Most roles eligible for sales bonuses + monthly incentives and/or annual discretionary bonus, some roles include mileage + travel time pay, and/or parking waivers (must meet eligibility requirements

Paid Training, Paid Vacation, Paid Holidays, and promotional opportunities offered from within

Tuition Reimbursement for qualifying employees

Stable Employer, we are a division of Zions Bancorporation and included in the S&P 500 & NASDAQ Financial 100 indices.

This position is eligible to earn a base salary in the range of $56,000 - $85,000 annually depending on job-related factors such as level of experience.

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