Commercial Relationship Banker - Huntington Beach, 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.

We are looking for a Commercial Relationship Banker. In this role, you will support lending needs across the Orange County Coastal market, with a focus on our Huntington Beach, Monarch Beach, and Irvine offices. You will partner closely with local branch teams to deliver consistent, high-quality lending solutions while building strong, lasting relationships with clients throughout the market.

Essential Functions\:

• Deliver tailored credit, deposit, and treasury services, providing strategic financial counsel and advice to best meet clients' business goals.
• Analyze the risks and profitability of your assigned client portfolio to ensure ongoing credit compliance, risk mitigation, and profitability.
• Identify and drive cross-sell opportunities for additional bank products and services to address comprehensive customer needs.
• Develop and implement targeted marketing plans to expand the bank's business footprint.
• Structure and negotiate competitive loan terms, covenants, and pricing conditions.
• Maintain deep expertise in industrial, economic, and regional financial trends affecting your assigned clients.
• May be assigned specialized industry or market segments.

Qualifications\:

• Requires a Bachelors degree in business, finance or a related field and 4+ years commercial lending, credit associated lending and bank sales experience. A combination of education and experience may meet requirements.
• A proven track record of success in business development required.
• Demonstrated ability to effectively manage, retain, and expand a diverse portfolio of commercial and consumer clients required.
• Strong commercial credit underwriting and financial analysis experience required.
• In-depth working knowledge of bank products, structured commercial credit, and industry-standard lending techniques and procedures.
• Proven capability to proactively grow loan volumes, deepen holistic client relationships, and cross-sell treasury and deposit products.
• Excellent interpersonal, verbal, and written communication skills, with a demonstrated ability to build trust and cultivate strong relationships with commercial loan clients and business owners.
• Highly developed financial analytical, risk assessment, and structured negotiation skills.
• Thorough understanding and practical application of standard lending principles, commercial credit theories, risk concepts, and structuring techniques.
• A strong, self-motivated drive to identify client needs and proactively counsel businesses on suitable credit, deposit, and treasury services.
• Strong business acumen with the ability to maintain a deep understanding of the industrial, economic, and regional financial trends affecting clients' businesses.
• 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 $100,000 - $115,000 annually depending on job-related factors such as level of experience