Commercial Banker - Escondido, CA

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 Banker in Escondido, CA. This role focuses on acquiring and servicing commercial loans, commercial real estate loans and bank services in accordance with individually established business development goals. 

The ideal candidate will have the experience necessary to: 

·         Acquires and services commercial loans, commercial real estate loans and bank services in accordance with individually established business development goals. 

·         Achieves quarterly Managed Portfolio Growth goals.  

·         Demonstrates clear understanding of risk management and covenant tracking procedures.  

·         Responsible to make presentations regarding bank products and services to prospective clients and company principals, perform underwriting functions and continually monitor credit quality.  

·         Higher level Commercial Bankers may oversee lower-level associates.  

·         Other duties as assigned. 

Qualifications: 

·         Requires a Bachelors degree in business, finance or a related field and 6+ years commercial lending and credit underwriting experience. An equivalent combination of education and experience may meet qualifications.

·         Employs advanced knowledge as a generalist or specialist for unique customer product segments of lending and credit analysis, preferably in a commercial lending environment.

·         Advanced knowledge of bank products and commercial lending techniques and procedures.

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

·         Familiarity of the sales, loan processing and closing processes.

·         Excellent underwriting skills.

·         Ability to interview loan applicants and have a strong perceptive on character judgment.

·         Ability to structure loans and monitor credit performance.

·         Must have excellent interpersonal, presentation and communication skills.

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

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 $115,000 - $142,000 annually depending on job-related factors such as level of experience.