Business Banker- San Diego, 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.   

California Bank & Trust is seeking a driven Business Banker to join our team in the San Diego area. This position will be based out of one of our office locations: Del Mar, Carlsbad, Downtown San Diego, or Kearny Mesa. The Business Banker manages and expands a portfolio of medium-sized commercial clients, playing a pivotal role in deepening existing relationships while proactively sourcing new business opportunities.

• Responsible for the growth, retention, and expansion of a portfolio of existing Business Banking clients.
• Sources new customers through referrals.
• Contributes to deposit growth by cross selling and promoting additional banking products.
• Seeks and obtains quality new business through client and prospect calls, referrals, and cross selling efforts.
• Recommends the appropriate solutions to clients as a trusted advisor to meet the objectives of clients.
• Meets assigned revenue goals for region and products.
• Gains complete knowledge of the business and personal financial needs of assigned customers.
• Visits client locations regularly.
• Builds knowledge of each assigned client and develops/manages a relationship plan for each client.
• Ensures client requests are met by handling them directly and/or referring to appropriate resources.
• Meets or exceed key performance measures, including but not limited to, portfolio growth, revenue/profitability, retention, and customer satisfaction key metrics.
• Responsible for sales, credit analysis, proper loan structuring, and interviewing applicants.
• Complies with applicable company policies and all banking regulations.
• Other duties as assigned. 
   

• Requires a bachelor's degree in banking, finance or a related field and 4+ years of credit associated lending or other directly related experience. An equivalent combination of education and experience may meet qualifications.
• Strong business development skills a must.
• Knowledge of lending and credit analysis in a commercial lending environment.
• Ability to expand loans, client relationships and cross-sell bank products.
• Familiarity of the sales, loan processing, and closing processes.
• Requires skills and experience in applicant interviewing and perceptive character judgment.
• Ability to structure loans and monitor credit performance.
• Must have good interpersonal and communication skills.
• Working knowledge of software applications, including word processing and spreadsheets.
• Manages a small commercial portfolio.