Senior Commercial Banking Relationship Manager - Sacramento, CA

Zions Bancorporation; Sacramento (CA); On-site; USD 189,000 - 231,000; Full time

Benefits offered by this job

Medical, Dental and Vision Insurance –

Life and Disability Insurance

Health Savings (HSA) and FSA

PTO and 11 holidays

401(k) with company match

Mental health benefits

Tuition Reimbursement

Employee Ambassador programs

Job summary

California Bank & Trust in Sacramento seeks a Commercial Banking Relationship Manager to generate and service a broad range of commercial loans and to build strong, low-risk client relationships.

You will act as the principal account manager for new and existing clients, lead loan structuring, credit analysis, and portfolio reviews, and collaborate across bank departments to cross-sell products. The role offers a competitive salary and comprehensive benefits.

Qualifications

• Requires a Bachelor's and 8+ years' experience with commercial lending, credit, underwriting, or other directly related experience.
• Expert knowledge of commercial loans, credit analysis, lending, loan processing and closing processes.
• Ability to expand commercial loans, client relationships and cross sell bank products.
• Requires solid excellent sales ability.
• Substantial experience in applicant interviewing and perceptive character judgment skills.
• Ability to structure loans and monitor credit performance.
• Must have excellent interpersonal and communication skills.
• Working knowledge of software applications, including word processing and spreadsheets.
• Manages a large commercial portfolio.

Responsibilities

• Generating and servicing a wide variety of commercial loans and developing strong, low risk commercial relationships while maintaining quality customer service.
• Acts as the principal account and relationship manager for new and existing clients.
• Develops, generates and follows-up on new client leads through existing clients and referrals from other bank departments.
• Calls on existing relationships to review portfolios and makes recommendations as needed.
• Responsible for sales, credit analysis, proper loan structuring, client interviewing and perceptive character judgment.
• Responsible for monitoring credit performance.
• Responsible for building and maintaining relationships, with a resulting high degree of customer satisfaction.
• Cross sell other bank products.
• Other duties as assigned.

Skills

Relationship management

Credit analysis

Sales ability

Loan processing

Closing

Portfolio management

Interpersonal skills

Communication skills

Cross-selling

Education

Bachelor's degree

Tools

Word processing

Spreadsheets

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 Commercial Banking Relationship Manager in Sacramento, CA. This role focuses on generating and servicing a wide variety of commercial loans and developing strong, low risk commercial relationships.

Essential Functions:

• Responsible for generating and servicing a wide variety of commercial loans and developing strong, low risk commercial relationships while maintaining quality customer service.

• Acts as the principal account and relationship manager for new and existing clients.

• Develops, generates and follows-up on new client leads through existing clients and referrals from other bank departments.

• Calls on existing relationships to review portfolios and makes recommendations as needed.

• Responsible for sales, credit analysis, proper loan structuring, client interviewing and perceptive character judgment.

• Responsible for monitoring credit performance.

• Responsible for building and maintaining relationships, with a resulting high degree of customer satisfaction.

• Cross sell other bank products.

• Other duties as assigned.

Qualifications:

• Requires a Bachelor's and 8+ years' experience with commercial lending, credit, underwriting, or other directly related experience. A combination of education and experience may meet requirements.

• Expert knowledge of commercial loans, credit analysis, lending, loan processing and closing processes.

• Ability to expand commercial loans, client relationships and cross sell bank products.

• Requires solid excellent sales ability.

• Substantial experience in applicant interviewing and perceptive character judgment skills.

• Ability to structure loans and monitor credit performance.

• Must have excellent interpersonal and communication skills.

• Working knowledge of software applications, including word processing and spreadsheets.

• Manages a large commercial portfolio.

Benefits:

• Medical, Dental and Vision Insurance – START DAY ONE!

• Life and Disability Insurance, Paid Paternal 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

• 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

• Employee Ambassador preferred banking products

This position is eligible to earn a base salary in the range of $189,000 - $231,000 annually depending on job-related factors such as level of experience.

Req ID: 071407

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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