Commercial Banker - Sacramento, CA

Employer
California Bank & Trust
Location
Sacramento, California
Salary
Competitive
Posted
Jul 01, 2024
Closes
Aug 22, 2024
Ref
10280_064822
Type
Full Time
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  Sacramento, 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.

Job Requirements:

  • Achieves annual managed portfolio growth goals.
  • Initiates and implements an effective marketing strategy maintaining and increasing commercial banking relationships.
  • Understands the local market and proactively develops relationships and has established a center of influence network.
  • Maintain and grows current and new relationships by presenting new lending opportunities and recommending business and personal banking products to new and existing prospects/clients.
  • Knowledge of deposit products, cash management, loan products, lines of credit and personal banking products and services.
  • Knowledge of commercial lending complex credit structures and cashflow analysis.
  • Knowledge of investor real estate lending.
  • Obtain and understand financials statements, tax returns and other credit information and maintains credit files for all prospects and clients.
  • Work with underwriting teams to negotiate and structure new credit request, renewals preparing relevant information for underwriting.
  • Work closely with underwriting and portfolio management teams to provide responsiveness to portfolio management needs and reporting responsiveness.
  • Additional duties and responsibilities may be assigned as needed.
  • Knowledge of and/or compliance of Federal, State and bank policies, procedures and regulations.


Qualifications:

  • Requires a Bachelor's 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 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 $101,000 - $149,000 depending on job-related factors such as level of experience.