Relationship Banker | Escondido, CA

California Bank & Trust; Escondido (CA); On-site; USD 94,000 - 125,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Life insurance

Disability insurance

401(k) plan

Paid time off

Holidays

Tuition reimbursement

Job summary

California Bank & Trust in Escondido, CA seeks a Relationship Banker to identify lending opportunities, acquire and analyze client relationships, and develop commercial loan objectives.

The role focuses on soliciting and developing all types of business activity, specializing in commercial loans, with duties including negotiating terms and advising clients; requires 4+ years lending experience and a Bachelor's degree.

Qualifications

• Bachelor' s degree in business, finance or related field.
• 4+ years commercial lending, credit or bank sales experience.
• Solid understanding of banking products and lending practices.

Responsibilities

• Acquire, analyze and maintain client relationships.
• Provide credit, deposit or banking services and advice.
• Analyze risk and profitability of assigned client base.
• Solicit additional products and services to meet client needs.
• Develop and implement marketing plans to expand business.
• Negotiate loan terms and conditions.

Skills

Relationship management

Negotiation

Communication skills

Analytical skills

Business development

Education

Bachelor's degree in business or 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 Relationship Banker in Escondido, CA. This role focuses on identifying appropriate lending opportunities, soliciting, and developing all types of business activity, specializing in commercial loans and participates in the development of overall commercial loan objectives, policies and practices.

Essential Functions:

• 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.

Qualifications:

• Requires a Bachelors degree in business, finance or 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.

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 $93,555 - $125,000 hourly depending on job-related factors such as level of experience.