Private Banking Associate

Zions Bancorporation • San Diego, CA

3d • $78,000 - $114,000

About The Position

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 Private Banking Associate in San Diego, CA. This role is responsible for managing and growing a private banking portfolio by delivering tailored credit solutions, monitoring credit performance, and building strong, low‑risk client relationships through exceptional service and cross‑selling.

Requirements

• Requires a bachelor's degree in banking, finance or a related field and 2+ year of banking services, credit analysis, portfolio management, credit associated lending processes and procedures or other directly related experience. An equivalent combination of education and experience may meet qualifications.
• Knowledge of banking services, lending, credit analysis, portfolio management preferable in a small business loan environment.
• Ability to expand loans, client relationships, manage portfolios and cross-sell bank products.
• Ability to interview applicants and be perceptive of character judgment.
• Ability to structure loans and monitor credit performance.
• Must have good interpersonal and communication skills.
• Knowledge of banking products and procedures, small business credit structuring.
• Strong sales, client product, and relationship management skills.
• Working knowledge of software applications, including word processing and spreadsheets.

Responsibilities

• Responsible for managing and servicing a portfolio and/or generating and servicing a wide variety of private banking services, loans and developing strong, low risk relationships while maintaining quality customer service.
• Functions as an account and relationship manager for new and existing clients.
• May develop, generate and follow-up on new client leads through existing clients and referrals from other bank departments.
• May monitor portfolio for past dues, documentation and collateral exceptions, financial performance updates, problem loans, loan concentrations and portfolio profitability, etc.
• 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.
• May manage a small portfolio.
• Cross sell other bank products. Other duties as assigned.

Benefits

• Medical, Dental and Vision Insurance - START DAY ONE!
• Life and Disability Insurance, Paid Parental 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, and any applicable state 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 enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire
• Employee Ambassador preferred banking products
• This position is eligible to earn a base salary in the range of $78,000 - $114,000 annually depending on job-related factors such as level of experience.

What This Job Offers

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