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 seasoned Real Estate Analyst in Irvine, CA. This role focuses on conducting industry research, credit investigation, and analyses related to residential and commercial real estate loans.
The ideal candidate will have the experience necessary to:
Performs cash flow and tax return analysis.
Monitors ongoing compliance with financial covenants and initiates appropriate remedies for non-compliance.
Assists with loan portfolio reporting and preparation of credit presentations according to bank's policy and guidelines.
Conducts industry research, credit investigations and analyses.
Analyzes financial statements and related material to determine financial conditions and trends.
Prepares summaries, presents facts, and offers opinions concerning creditworthiness.
Provides credit information and references for customers, loan officers, or other agencies as requested.
Ensures that all credit files include proper documentation including current financial statements, agency reports, etc.
Maintains control over current accounts, noting payment progress, watching for any developing problems, and keeping loan officers informed.
Writes credit memorandums.
May accompany lenders on business calls and conduct industry research.
Typically requires a bachelor's degree and 1 year of directly related experience.
Experience in accounting and finance.
Limited use and/or application of basic real estate credit and lending principles, theories, and concepts.
Basic knowledge of financial and spread analysis and credit/lending procedures for basic real estate loans.
Proficient in Microsoft Office, Word and Excel.
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, and any applicable state 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 enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire
Employee Ambassador preferred banking products
This position is eligible to earn a base salary in the range of $49,000 to $71,000 annually depending on job-related factors such as level of experience
Zions Bancorporation, N.A. is one of the nation's premier financial services companies with annual net revenue of $2.9 billion in 2021 and more than $90 billion of total assets. Zions operates under local management teams and distinct brands in 11 western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The Bank is a consistent recipient of national and state-wide customer survey awards in small and middle-market banking, as well as a leader in public finance advisory services and Small Business Administration lending, ranking as the tenth largest provider in the U.S. of the SBA’s Paycheck Protection Program loans. In addition, Zions is included in the S&P 500 and NASDAQ Financial 100 indices.