California Bank and Trust, a leader amongst banks in California, with over $10 billion in assets and nearly 100 branch offices in the state, is looking for a Commercial Bank in our San Diego office.
Our relationship-centered culture is achieved by providing our associates with the tools, training and opportunities to build the best possible relationships with our customers, and with each other. Our workplace culture values each associate's unique experiences, background and perspectives and provides a collaborative environment for all associates to grow and thrive.
Acquires and services commercial loans, commercial real estate loans and bank services in accordance with individually established business development goals.
Demonstrates clear understanding of risk management and covenant tracking procedures.
Responsible to make presentations regarding bank products and services to prospective clients and company principals, perform underwriting functions and continually monitor credit quality.
Higher level Commercial Bankers may oversee lower level associates.
Other duties as assigned.
Requires a Bachelors degree in business, finance or a related field and 6+ years commercial lending and credit underwriting experience. An equivalent combination of education and experience may meet qualifications.
Employs advanced knowledge as a generalist or specialist for unique customer product segments of lending and credit analysis, preferably in a commercial lending environment.
Advanced knowledge of bank products and commercial lending techniques and procedures.
Ability to expand loans, client relationships and cross sell bank products.
Familiarity of the sales, loan processing and closing processes. Excellent underwriting skills.
Ability to interview loan applicants and have a strong perceptive on character judgment.
Ability to structure loans and monitor credit performance.
Must have excellent interpersonal, presentation and communication skills.
Working knowledge of a software applications, including word processing and spreadsheets.
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 $96,000 to $143,000 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.