Commercial Relationship Banker - Huntington Beach, CA

California Bank & Trust; Huntington Beach (CA); On-site; USD 100,000 - 115,000; Full time

Benefits offered by this job

Health insurance

Dental & Vision

Life & Disability

Paid parental leave

HSA/FSA

PTO & holidays

401(k) match

Tuition reimbursement

Job summary

California Bank & Trust in Huntington Beach, CA is seeking a Commercial Relationship Banker to support lending needs across local branches. The role focuses on building strong client relationships and delivering high-quality lending solutions while collaborating with branch teams to meet market demand.

Qualified candidates have a Bachelor's in business/finance and 4+ years in commercial lending or bank sales, with solid communication and negotiation skills.

Qualifications

• Requires a Bachelor's degree in business, finance or related field.
• 4+ years of commercial lending, credit-related lending and bank sales experience.
• Working knowledge of bank products, credit and commercial lending techniques.
• Strong communication and negotiation skills.
• Ability to expand loans, client relationships and bank products.
• Familiarity with standard lending principles, theories, concepts, and techniques.

Responsibilities

• Acquire, analyze and maintain lending client relationships.
• Provide credit, deposit or other banking services to meet client needs.
• Analyze risks and profitability of assigned client base.
• Solicit the sale of additional products and services to meet client needs.
• Develop and implement marketing plans for expanding business.
• Negotiate loan terms and conditions.
• Remain versed in industrial, economic and financial situations relating to clients.

Skills

Interpersonal skills

Communication (oral & written)

Negotiation

Relationship growth

Lending knowledge

Education

Bachelor's degree in business/finance

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 Commercial Relationship Banker in Huntington Beach, CA. The Relationship Banker will support lending needs across multiple branches within the local area, providing flexible coverage to meet client demand. This role partners closely with branch teams to deliver consistent, high-quality lending solutions while building strong relationships with customers throughout the market.

Essential Functions

• Lender responsible for acquiring, analyzing and maintaining lending 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 best 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.

Qualifications

• Requires a Bachelors degree in business, finance or a related field and 4+ years commercial lending, credit associated lending and bank sales experience. A combination of education and experience may meet requirements.
• Working knowledge of bank products, credit and commercial lending techniques and procedures.
• Ability to expand loans, client relationships and bank products.
• Must have solid interpersonal, oral and written communication skills needed to create relationships with loan clients.
• Solid analytical and negotiation skills.
• Full use and application of standard lending principles, theories, concepts, and techniques.
• 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.

Benefits

• 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 $100,000 - $115,000 annually depending on job-related factors such as level of experience.