Commercial Banking Relationship Manager
- 📁
- Commercial Lending
- 💼
- California Bank & Trust
- 📅
- 069300 Requisition #
We are looking for a Commercial Middle Market Relationship Manager in Sacramento, CA.
The Commercial Banking Relationship Manager is responsible for originating, structuring, and servicing a diverse portfolio of commercial loans while building strong, low-risk client relationships. This role combines advanced credit expertise with proactive business development to deliver tailored financial solutions and exceptional customer service.
Key Responsibilities
- Business Development
- Generate new commercial banking relationships through prospecting, referrals, and networking.
- Develop and execute strategies to expand the bank’s presence in the market and achieve growth targets.
- Cross-sell treasury, deposit, and other bank products to deepen client relationships.
- Credit & Loan Structuring
- Lead the entire loan process from initial client engagement through underwriting, approval, and closing.
- Perform detailed credit analysis, including financial statement review, cash flow modeling, and collateral evaluation.
- Structure and negotiate complex commercial loans (C&I, CRE, asset-based lending) to meet client needs while mitigating risk.
- Monitor credit performance and covenant compliance; proactively address exceptions.
- Relationship Management
- Act as the principal account manager for new and existing clients.
- Conduct regular portfolio reviews and make recommendations to optimize client profitability.
- Deliver high-quality customer service and maintain a high degree of client satisfaction.
- Compliance & Risk
- Ensure adherence to credit policy, regulatory requirements, and risk management standards.
- Prepare and present credit packages for approval committees.
Qualifications
- Bachelor’s degree in Finance, Accounting, or related field (MBA or formal credit training preferred).
- 6+ years of experience in commercial lending, credit analysis, underwriting, and relationship management.
- Expert knowledge of commercial loan products, credit structuring, and risk assessment.
- Proven ability to generate new business and expand existing relationships.
- Strong interpersonal, negotiation, and communication skills.
- Proficiency in financial analysis and common software applications (Word, Excel, CRM systems).
- Ability to manage a small to medium commercial portfolio effectively.
- This position is eligible to earn a base salary in the range of $160,000 - $230,000 annually plus bonus depending on job-related factors such as level of experience.
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.
This position will be open until filled.
To review our Benefits Summary click here.
All candidates, including those with criminal histories will be considered for employment. However, a background check adjudicated consistently with the FDIC Section 19 regulation will be completed on any candidate who accepts a conditional job offer from the Company. Because the Company is a financial institution, the FDIC guidelines apply to all positions within the company and as such any and all job duties have a direct relationship to a candidate’s criminal history and that criminal history would need to align with the FDIC Section 19 regulations.
Zions Bancorporation, National Association prohibits illegal discrimination and reaffirms its policy of providing Equal Employment Opportunity (EEO), by extending 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, protected veteran status, military service, sexual orientation, gender identity, genetic information or any other characteristic protected by applicable federal, state or local law.
It is the Company’s policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, Zions will safeguard the fair and equitable treatment of protected veteran spouses and family members with regard to all employment actions and prohibit harassment of applicants and employees because of their relationship or association with a protected veteran.
Applicants Requesting Accommodations: If you are a qualified individual with a disability or a disabled veteran, you may request a reasonable accommodation if you are unable or limited in your ability to use or access our career site. You can request reasonable accommodations by contacting us at careers@zionsbancorp.com or 801/844-7618. Please email your resume/cover letter, indicate what position you are interested in and include "Accommodation needed" in the subject line to ensure your information is routed to the appropriate contact.
Click here to view our EEO Statement.
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