Relationship Banker | Escondido, CA

Zionsbancorp; United States; On-site; USD 94,000 - 125,000; Full time

Benefits offered by this job

Medical, Dental and Vision Insurance –

Life and Disability Insurance

Health Savings (HSA) and FSA

PTO and 11 paid holidays

401(k) with company match

Tuition Reimbursement

Employee Ambassador banking products

Job summary

California Bank & Trust in Escondido, CA is seeking a Relationship Banker to identify lending opportunities and expand commercial client relationships. The role centers on analyzing client needs, offering suitable banking solutions, and driving profitability through additional loans and services.

The position requires a business/finance degree and several years in lending or related banking roles, with strong interpersonal and negotiation skills.

Qualifications

• Bachelor's degree in business, finance or related field and 4 years commercial lending, credit or bank sales experience.
• Working knowledge of bank products, credit and lending techniques.
• Ability to expand loans, client relationships and bank products.
• Strong interpersonal, oral and written communication skills.
• Solid analytical and negotiation abilities.
• Understanding of standard lending principles and practices.

Responsibilities

• Acquire, analyze and maintain client relationships.
• Provide credit, deposit or banking services and guidance to meet needs.
• Analyze risk and profitability of assigned clients for credit terms.
• Solicit additional products and services to clients.
• Develop and implement marketing plans to grow business.
• Negotiate loan terms and conditions.
• Stay informed on relevant industry and market conditions affecting clients.
• Handle other duties as assigned.

Skills

Credit lending

Relationship management

Negotiation skills

Interpersonal skills

Analytical skills

Lending principles

Education

Bachelor's degree in business/finance

Job description

Relationship Banker | Escondido, CA(

Job Number:

1. hours per week: 40

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.

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.

This position requires Federal Registration with the National Mortgage Licensing System (NMLS), in accordance with the SAFE Act.

Work Locations

California-Escondido-SD – Escondido Main Office
Small Business Lending

ABOUT OUR COMPANY

Zions Bancorporation is one of the nation’s premier financial services companies with total assets exceeding $65 billion. Zions operates under local management teams and distinct brands in 11 western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington and Wyoming.
The company is a national leader in Small Business Administration lending and public finance advisory services, and is a consistent top recipient of Greenwich Excellence awards in banking. In addition, Zions is included in the S&P 500 and NASDAQ Financial 100 indices.
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Equal Opportunity Employer
It is the policy of this corporation to provide 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, veteran status, sexual orientation, gender identity and expression or any other characteristic protected by applicable law. This policy is established and administered in accordance with all applicable federal, state, and local laws.
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