Business Banker- San Diego, CA

Zions Bancorporation • San Diego, CA

16h • $112,000 - $137,000

About The Position

California Bank & Trust is seeking a Business Banker to serve clients in the San Diego area, based at an office in Del Mar, Carlsbad, Downtown San Diego, or Kearny Mesa. The Business Banker manages and expands a portfolio of medium-sized commercial clients, deepens existing relationships, and proactively sources new business opportunities. The role combines business development, client relationship management, sales, credit analysis, and loan structuring. The position manages a small commercial portfolio.

Requirements

• Bachelor’s degree in banking, finance, or a related field, plus 4 or more years of credit-associated lending or other directly related experience; an equivalent combination of education and experience may qualify.
• Strong business development skills.
• Knowledge of lending and credit analysis in a commercial lending environment.
• Ability to expand loans and client relationships and cross-sell bank products.
• Familiarity with sales, loan processing, and closing processes.
• Skills and experience in applicant interviewing and perceptive character judgment.
• Ability to structure loans and monitor credit performance.
• Good interpersonal and communication skills.
• Working knowledge of software applications, including word processing and spreadsheets.

Responsibilities

• Grow, retain, and expand a portfolio of existing Business Banking clients.
• Source new customers through referrals.
• Contribute to deposit growth by cross-selling and promoting additional banking products.
• Seek and obtain quality new business through client and prospect calls, referrals, and cross-selling efforts.
• Recommend appropriate solutions to clients as a trusted advisor to meet their objectives.
• Meet assigned revenue goals for the region and products.
• Gain complete knowledge of assigned customers’ business and personal financial needs.
• Visit client locations regularly.
• Build knowledge of each assigned client and develop and manage a relationship plan for each client.
• Ensure client requests are met by handling them directly or referring them to appropriate resources.
• Meet or exceed key performance measures, including portfolio growth, revenue and profitability, retention, and customer satisfaction.
• Handle sales, credit analysis, proper loan structuring, and applicant interviews.
• Comply with applicable company policies and banking regulations.
• Perform other duties as assigned.

Benefits

• Medical insurance
• Dental insurance
• Vacation
• Profit sharing
• 401(k) plan
• Sales bonuses and monthly incentives and/or annual discretionary bonus for most eligible roles
• Mileage and travel-time pay and/or parking waivers for some roles, subject to eligibility requirements
• Paid training
• Paid vacation
• Paid holidays
• Promotional opportunities from within
• Tuition reimbursement for qualifying employees

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level