Relationship Banker | Escondido, CA

Zions Bancorporation; Escondido (CA); On-site; USD 94,000 - 125,000; Full time

Benefits offered by this job

Health Insurance - Start Day One

Paid Time Off

401(k) Plan with Company Match

Tuition Reimbursement

Job summary

California Bank & Trust in Escondido, CA seeks a Relationship Banker to identify lending opportunities, solicit business, and manage client relationships within a commercial banking context.

The role involves evaluating creditworthiness, negotiating loan terms, developing marketing plans, and expanding the bank's relationship base while adhering to regulatory standards.

Qualifications

• Bachelor’s degree in business, finance or related field.
• 4+ years in commercial lending, credit, or bank sales.
• Strong interpersonal and written communication skills.
• Solid analytical and negotiation abilities.

Responsibilities

• Acquire, analyze and maintain client relationships.
• Provide banking services and counsel to meet client needs.
• Analyze risks and profitability of assigned client base.
• Solicit the sale of additional products and services.
• Develop and implement marketing plans for expansion.
• Negotiate loan terms and conditions with clients.
• Stay informed on industry and client-specific trends.
• May be assigned specialized industry or market segments.

Skills

Interpersonal communication

Negotiation skills

Business development

Financial analysis

Education

Bachelor's degree in business, finance or related field

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 aRelationship 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.
• 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.

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