Relationship Banker- Oakland, CA

California Bank & Trust; Oakland (CA); On-site; USD 93,000 - 122,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

Life Insurance

Parental Leave

401(k) Matching

Paid Time Off

Job summary

California Bank & Trust is seeking a Relationship Banker in Oakland, CA to identify lending opportunities, solicit business, and manage a portfolio of commercial clients. You will develop loan objectives, policies and practices to drive profitability and client satisfaction.

The role emphasizes relationship-building, assessing credit needs, and offering suitable banking solutions while expanding product usage across commercial clients.

Qualifications

• Bachelor's degree in business, finance or a related field.
• 2–4+ years commercial lending, credit-related lending and bank sales experience.
• Good interpersonal, oral and written communication skills to build client relationships.

Responsibilities

• Acquire, analyze and maintain client relationships.
• Provide banking services and counsel to meet clients' needs.
• Analyze risks and profitability of assigned client base for continuing profitability.
• Solicit sales of additional products and services to meet clients' needs.
• Develop and implement marketing plans to expand business.
• Negotiate loan terms and conditions.
• Stay informed on industrial, economic and financial conditions of clients.

Skills

Interpersonal communication

Analytical thinking

Negotiation

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.

Relationship Banker at Oakland, CA branch

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 bachelor's degree in business, finance or a related field and 2-4+ years commercial lending, credit associated lending and bank sales experience. A combination of education and experience may meet requirements.
• Basic knowledge of bank products, credit and commercial lending techniques and procedures.
• Ability to expand loans, client relationships and bank products.
• Must have good interpersonal, oral and written communication skills needed to create relationships with loan clients.
• Good analytical and negotiation skills.
• Limited use and/or application of basic lending principles, theories, and concepts.

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 $93,000-$122,000 depending on job-related factors such as level of experience.