Relationship Banker- Scripps Poway, CA

Calbanktrust; San Diego (CA); On-site; USD 94,000 - 125,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Life Insurance

Parental Leave

Tuition Reimbursement

401(k) with company match

Job summary

California Bank & Trust is seeking a Relationship Banker for our Scripps Poway branch to identify lending opportunities and manage a portfolio of business clients. You will solicit, analyze, and structure commercial loans while supporting cross-sell of banking products.

The role emphasizes relationship development, risk assessment and profitability, with responsibilities spanning client acquisition, credit advice, and marketing initiatives within a community-focused bank.

Qualifications

• Bachelor’s degree in business, finance or a related field is required.
• 4+ years of commercial lending, credit-related lending, and bank sales experience.
• Solid knowledge of bank products, credit and lending techniques.
• Ability to grow loans, client relationships and cross-sell bank products.
• Strong interpersonal, oral and written communication skills for loan clients.
• Solid analytical and negotiation skills.
• Full use and application of standard lending principles, theories, concepts, and techniques.

Responsibilities

• Acquire, analyze and maintain client relationships.
• Provide suitable credit, deposits or other banking services and advise clients.
• Analyze risks and profitability of assigned client base to ensure ongoing profitability and credit terms.
• Solicit the sale 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 contexts affecting clients.
• May be assigned specialized industry or market segments.

Skills

Relationship building

Negotiation

Analytical thinking

Communication skills

Business development

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 Bankerat our Scripps Poway 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 Bachelors degree in business, finance or a 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 depending on job-related factors such as level of experience.