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Senior Commercial Banker
Zions Bancorporation
Escondido, CA, United States
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Description
California Bank and Trust, a leader amongst banks in California with over $10 billion in assets and nearly 100 branch offices in the state, is currently seeking a Commercial Banker for their Escondido, CA office, to acquire and service commercial loans. California Bank & Trust prides itself on creating California’s best banking relationships and to do this we must continue to build a team of intelligent contributors who can add value to our clients’ businesses and build deep roots in the communities we serve.
Position Responsibilities:
• Acquires and services commercial loans, commercial real estate loans and bank services in accordance with individually established business development goals.
• Manages existing book of business for retention, expansion of relationships and leveraging for additional referral opportunities.
• Partners internally to maximize the priorities of prospects and clients.
• Underwriting new and existing credits in accordance with credit policy set forth by bank.
• Achieves quarterly Managed Portfolio Growth goals.
• Demonstrates clear understanding of risk management and covenant tracking procedures.
• Responsible to make presentations regarding bank products and services to prospective clients and company principals, perform underwriting functions and continually monitor credit quality.
• Higher level Commercial Bankers may oversee lower level associates.
• Other duties as assigned.
Qualifications
• Must Havea Bachelor's degree in business, finance or a related field and
• Must Have8+ years Commercial lending and credit underwriting experience. An equivalent combination of education and experience may meet qualifications.
• Must haveExpert knowledge for unique customer product segments of lending and credit analysis, preferably in a commercial lending environment.
• Expert knowledge of bank products and commercial lending techniques and procedures.
• Ability to expand loans, client relationships and cross sell bank products.
• Ability to work and communicate well with credit analyst, doc team to balance internal underwriting/analysis with outside calling activities.
• 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.
• Ability to identify opportunities that differentiate us from our competitors.
• Must have excellent interpersonal, presentation and communication skills.
• Working knowledge of a software applications, including word processing and spreadsheets.
• May train or lead lower level staff and may function as a project lead
• Always committed to being a team player
Benefits:
• Health/ Dental /Vision plan
• 401 k plan with up to 5 % matching – no waiting period for new employees
• Competitive pay commensurate with experience
• Promotional Opportunities
• Stable Employer