June 2027 Associate Credit Analyst, Banker Development Program - Irvine

California Bank & Trust; Irvine (CA); On-site; USD 59,000 - 72,000; Full time

Benefits offered by this job

Health insurance

Life insurance

Disability insurance

HSA/FSA benefits

Paid training

Paid time off

401(k) with company match

Tuition reimbursement

Mental health benefits

Ambassador program

Job summary

California Bank & Trust is launching its Banker Development Program in Irvine, California, beginning June 2027. The program is designed to grow well-rounded banking professionals with strong analytical and relationship management skills through structured training and rotations.

Participants will start with Phase I training in San Diego and Salt Lake City, then move into Phase II rotations across key banking groups.

Qualifications

• Bachelor’s degree in Business, Finance, Accounting, Economics or related subject.
• Minimum GPA 3.0 (include GPA in resume or cover letter).
• Completed 6 hours of college-level coursework in Accounting, including Managerial and Financial Accounting.
• Excellent communication, presentation, and interpersonal skills.
• Detail-oriented, organized, analytical, and proven problem-solving abilities.
• Leadership skills and community involvement.
• Working knowledge of Microsoft Excel is preferred.
• Internship or prior work experience is preferred.

Responsibilities

• Rotations across Leveraged Finance, Lending Services and Business Banking.
• Develop analytical and credit underwriting skills during rotations.
• Build relationships with internal partners and clients.
• Contribute to credit analysis and decision-making processes during rotations.

Skills

Communication skills

Presentation skills

Interpersonal skills

Leadership

Problem solving

Attention to detail

Excel

Internship/work experience

Education

Bachelor’s degree in Business, Finance, Accounting, Economics or related subject

Tools

Microsoft Excel

Job description

June 2027 Associate Credit Analyst, Banker Development Program - Irvine

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 forAssociate Credit Analyststo join ourBanker Development Programclass beginning inJune 2027 inIrvine. The Banker Development Program at California Bank & Trust is a credit and business development training program. Designed to grow well-rounded banking professionals with strong analytical and relationship management skills, the program provides robust training and career guidance. At the end of the program, participants will be well-prepared for a career at California Bank & Trust.

The Banker Development Program Offers:

• Exposure to different lines of business within California Bank & Trust
• A solid foundation in the basics of banking and credit
• Opportunity to apply finance and accounting skills to credit and business risk and credit analysis
• Exposure to associates throughout the Enterprise
• Access to a network of BDP analysts

The program consists of two phases that focus on education, experience, and exposure.

Phase I – Initial Training Phase (3 months)

The majority of training for the Banker Development Program will take place in San Diego. You will also have two 2-week trainings at Zions Bancorporation’s headquarters in Salt Lake City and one 1-week training at either Vectra Bank’s headquarters in Denver or Amegy Bank’s headquarters in Houston. During this portion, topics surrounding introductory banking, analytical concepts, and bank-specific administration will be covered. Some travel may be required to complete this phase.
In addition to the self-study materials, during initial training Credit Analysts participate in:

• Case Studies and Discussion Sessions to review concepts introduced in the self-study materials
• Training to perform credit underwriting according to bank policy
• Bank compliance and regulatory training courses
• Introductions to senior management
• Department tours to provide an overview of bank operations

Phase II – Rotations (9months)

The primary objective of the Rotational Phase is on-the-job training. The rotational system offers each Credit Analyst in-depth exposure to various banking lines and banking groups, which facilitate the placement process and ensures the development of well-rounded Bank Officers. Various areas host Credit Analysts for rotations on an ongoing basis, dependent on departmental need and geography. Some of the business line opportunities for rotation are listed below:

• Leveraged Finance
• Lending Services
• Business Banking

Minimum Qualifications:

• Bachelor’s degree in Business, Finance, Accounting, Economics or related subject
• Minimum overall GPA of 3.0 (include GPA in resume or cover letter)
• Completed 6 hours of college-level coursework in Accounting, including Managerial and Financial Accounting
• Excellent communication, presentation, and interpersonal skills
• Detail-oriented, organized, analytical, and proven problem-solving abilities
• Leadership skills and community involvement
• Working knowledge of Microsoft Excel is preferred
• Internship or prior work experience is preferred

Participants who successfully complete the Banker Development Program can anticipate an exciting career path in banking, where upon completion you will be prepared for permanent internal placement within the organization.

• Medical, Dental and Vision Insurance – START DAY ONE!
• Life and Disability Insurance, Paid Paternal 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
• 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
• Employee Ambassador preferred banking products

This position is eligible to earn a base wage of $33.65 hourly.

Please apply no later than October 16, 2026 to be considered for this position. Resume and unofficial transcripts must be included with your application. We will be reaching out for interviews throughout September and October.

California Bank & Trust’s Internship and Banker Development Program positions are not eligible for employment visa sponsorship (e.g., H-1B visa). This includes, for example, situations where a candidate may have temporary work authorization while enrolled in school or upon graduation (e.g., CPT, OPT) but would need H-1B visa sponsorship within a few years of employment to maintain employment eligibility.

This position will be open until filled.

All candidates, including those with criminal histories will be considered for employment. However, a background check adjudicated consistently with the FDIC Section 19 regulation will be completed on any candidate who accepts a conditional job offer from the Company. Because the Company is a financial institution, the FDIC guidelines apply to all positions within the company and as such any and all job duties have a direct relationship to a candidate’s criminal history and that criminal history would need to align with the FDIC Section 19 regulations.

Zions Bancorporation, National Association prohibits illegal discrimination and reaffirms its policy of providing Equal Employment Opportunity (EEO), by extending equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, protected veteran status, military service, sexual orientation, gender identity, genetic information or any other characteristic protected by applicable federal, state or local law.

It is the Company’s policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, Zions will safeguard the fair and equitable treatment of protected veteran spouses and family members with regard to all employment actions and prohibit harassment of applicants and employees because of their relationship or association with a protected veteran.

Applicants Requesting Accommodations: If you are a qualified individual with a disability or a disabled veteran, you may request a reasonable accommodation if you are unable or limited in your ability to use or access our career site. You can request reasonable accommodations by contacting us at [e-mail] or 801/844-7618. Please email your resume/cover letter, indicate what position you are interested in and include "Accommodation needed" in the subject line to ensure your information is routed to the appropriate contact.

California Bank and Trust a division of Zions Bancorporation, N.A. Member FDIC