Business Banker- San Diego, CA

California Bank & Trust; Del Mar (CA); On-site; USD 112,000 - 137,000; Full time

Benefits offered by this job

Medical & Dental Insurance

Vacation & Profit Sharing

401(k) plan

Sales bonuses

Job summary

California Bank & Trust seeks a driven Business Banker to manage and grow a portfolio of medium-sized commercial clients in the San Diego area. The role focuses on deepening existing relationships while proactively sourcing new business opportunities from Del Mar, Carlsbad, Downtown San Diego or Kearny Mesa offices.

You will be responsible for deposits growth, loan structuring, and providing trusted advisory services, with a track record of meeting revenue and client-satisfaction targets.

Qualifications

• Bachelor’s degree in banking, finance or related field; 4+ years of credit-related lending or related experience.
• Strong business development skills are required.
• Knowledge of lending and credit analysis in a commercial lending environment.
• Ability to expand loans, client relationships and cross-sell bank products.
• Familiarity with sales, loan processing and closing processes.
• Interviews and perceptive character judgment are needed.
• Ability to structure loans and monitor credit performance.
• Good interpersonal and communication skills.
• Working knowledge of software applications, including word processing and spreadsheets.
• Manages a small commercial portfolio.

Responsibilities

• Grow, retain, and expand a portfolio of existing Business Banking clients.
• Source new customers through referrals.
• Cross-sell banking products to drive deposit growth.
• Reach out to clients and prospects via calls, referrals and networking.
• Recommend optimal financial solutions as a trusted advisor.
• Meet revenue goals for the region and products.
• Visit client locations regularly to build deeper relationships.
• Develop and execute relationship plans for each client.
• Handle client requests and refer to appropriate resources.
• Meet or exceed key performance metrics such as growth, profitability and satisfaction.

Skills

Business development

Credit analysis

Interpersonal skills

Communication skills

Sales ability

Portfolio management

Software knowledge

Education

Bachelor's degree in banking/finance or related field

Tools

Word processing

Spreadsheets

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.

California Bank & Trust is seeking a driven Business Banker to join our team in the San Diego area. This position will be based out of one of our office locations: Del Mar, Carlsbad, Downtown San Diego, or Kearny Mesa. The Business Banker manages and expands a portfolio of medium-sized commercial clients, playing a pivotal role in deepening existing relationships while proactively sourcing new business opportunities.

Essential Functions

• Responsible for the growth, retention, and expansion of a portfolio of existing Business Banking clients.
• Sources new customers through referrals.
• Contributes to deposit growth by cross selling and promoting additional banking products.
• Seeks and obtains quality new business through client and prospect calls, referrals, and cross selling efforts.
• Recommends the appropriate solutions to clients as a trusted advisor to meet the objectives of clients.
• Meets assigned revenue goals for region and products.
• Gains complete knowledge of the business and personal financial needs of assigned customers.
• Visits client locations regularly.
• Builds knowledge of each assigned client and develops/manages a relationship plan for each client.
• Ensures client requests are met by handling them directly and/or referring to appropriate resources.
• Meets or exceed key performance measures, including but not limited to, portfolio growth, revenue/profitability, retention, and customer satisfaction key metrics.
• Responsible for sales, credit analysis, proper loan structuring, and interviewing applicants.
• Complies with applicable company policies and all banking regulations.
• Other duties as assigned.

Qualifications

• Requires a bachelor's degree in banking, finance or a related field and 4+ years of credit associated lending or other directly related experience. An equivalent combination of education and experience may meet qualifications.
• Strong business development skills a must.
• Knowledge of lending and credit analysis in a commercial lending environment.
• Ability to expand loans, client relationships and cross-sell bank products.
• Familiarity of the sales, loan processing, and closing processes.
• Requires skills and experience in applicant interviewing and perceptive character judgment.
• Ability to structure loans and monitor credit performance.
• Must have good interpersonal and communication skills.
• Working knowledge of software applications, including word processing and spreadsheets.
• Manages a small commercial portfolio.

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 $112,000 - $137,000 annually depending on job-related factors such as level of experience.